Mr. Kevin Cardiff:

Well, I think I said, either in my statement or in my report - the long statement as the ... as, as it's now being called - that it was always in prospect. After that crisis simulation, the sense was that now this rush to the guarantee arose because we hadn't thought about a private sector solution and a private sector solution in Ireland meant the two big banks, and what you would look for in a resolution situation was that, you know, two larger banks would be basically handed the keys and said, you know, there that's yours now, you have to pay something for whatever value is in it but, basically, one or other of you, or both or you, subsume-----