Mr. Kevin Cardiff:

Well, the three hours I wouldn't worry about, Deputy, because if you think about it, the night of the guarantee was all over, bar the shouting, in six. So, I wouldn't have that ... it was carefully reconstructed, it took ... it was really well constructed in the sense of a lot of thought went into it over a period of weeks or months by the people concerned and there was a real attempt to make this a realistic thing that could happen, probably with the recent Northern Rock in mind. Why didn't ... why wasn't it a simulation of a system-wide meltdown? Well, that was never the intent of the exercise but also, frankly, a system-wide meltdown wasn't regarded as in prospect at the time.