Mr. Tom Considine:

No, I think ... I think what she was talking about was in terms of lending and the impact it had on the banking crisis. There's two sides to the balance sheet obviously. One, on the funding side, if you decided in the middle of 2006, you woke up some day ... some morning, and decided that you wanted to take measures to insulate the banks from a possible shock, you could have raised extra capital, you could have lent the maturity of your ... of your wholesale funding and so on. So there was quite a lot that could be done. If you look at the core documents that are here in ... given for this session, one of them shows the amount of mortgages that were issued each year. 2007 was the biggest year ... second biggest year, in that table.