Mr. Kevin Cardiff:

They weren't discussing the bank wording; they were discussing what kind of guarantee ... at this stage, what would be the terms of the guarantee. It probably looked to the people concerned that it was about the same as the bank drafting and so they said, "Okay, let's keep this right in market terms. Banks know what they ... how to communicate with the market, follow that." Now the banks were ... had no part in this. They were out in a room somewhere.