Mr. David Doyle:

I had clear concerns. I had serious concerns that their liquidity had disappeared and if that continued, they would rapidly become insolvent. Just if I might, finally, Deputy, point out that after the guarantee, PwC were sent in to do a range of analyses on the banks and I think in the case of Anglo, certainly in the case of Anglo and I think also probably Nationwide, they applied stress tests of varying degrees of write-offs and I don't think in any of those write-offs they come out and said they're insolvent. Finally if I might just point out that-----