Mr. Kevin Cardiff:

Okay, so ... excuse me for the confusion. The Central Bank told us; Anglo told us, because they had asked Central Bank for money the next day. They said, "Look, we no longer have any cash, please give." They'd asked in the middle of the month for a €7 billion facility. So that was an ... pre-notification, if you like. We had pressed and the regulator had done it. We had pressed that someone would be sent into Anglo to look at ... start looking at their loan book, but also to look at their liquidity position. So we had a ... I believe a document from PwC. Certainly that day, I'm sure you have it but we had e-mails from PwC saying, ''We're in.'' And for both Anglo and Irish Life and Permanent they said, ''Here's our current position as far as we can ascertain it'', pretty accurately, "and here's how the next week looks", best case, worst case and so forth. And worse case actually-----