Mr. Kevin Cardiff:

Well, the answer is that by then, we had further information from Goldman Sachs who were saying, "Look, these guys are going to take a hit to capital but they're not going to eat through it." And I think they were even saying that actually, "Things are not as bad in there as we had expected to find." So there was an expectation that INBS, over time, would lose capital.

I think, even in my notes there are ... I couldn't bring all the notes that I took, but, in those notes, there's even suggestions that they don't even run out of regulatory capital for a year and a half or two years on some assumptions. So, it wouldn't have been untoward to rope them in. Now, the question was were they big enough, the other question is were they big enough to be systemic? In other words, were they so important that, if we just let them fail, that would have knock-on implications for the rest of the financial system.