Mr. Brian Patterson:

Sure. Sure. Fundamentally what I know now that I didn't know then is what actually happened, in terms of what happened in terms of the freeze on liquidity, how that impacted the banks and led very quickly to solvency issues and how those led, in turn, to the need for the bank guarantee and the bailout and all of that whole sorry tale of events. I did not know then that those were going to happen. That's really what I meant.