Mr. David Doyle:

Well, on the night of the guarantee, what we knew is that you had taken a step which was supposed to ensure financial stability, and everything associated with that in terms of the legal instruments that you mentioned, negotiation with Europe for clearance of the guarantee, dealing with people coming in, saying, "We want to be in it too," and so on, and so on, that takes up ... did take some time, but I think I saw in Kevin's document a note that he sent to the Central Bank, the NTMA, and our legal people, and Merrill Lynch and so on to the effect that we need to lift our heads now and start looking at options in relation to the strategic direction of the banks, whether any of them needed capitalisation and so on. So it was actioned from that point on, once the smoke had cleared on the outcome of the guarantee, the initial smoke.