Mr. Kevin Cardiff:

I don't recall a formal discussion. I don't recall ... well, it was settled policy ... and the Government's policy, not the Department's at that stage. But, what we were also seeing in those 24 days, Deputy, was this perfect storm issue that I've been talking about. It actually became very clear, that without the guarantee, an awful lot of things could happen that would be even worse than what we had at the time and the idea that you would pull it ... remember, a lot of new money came in on foot of the guarantee but it didn't come in four weeks later. It started coming in immediately. So, that you would pull out of the guarantee with hundreds of millions, billions and millions of deposits, based explicitly on it, would've created a ... would've created ... I don't know. It would've been extraordinarily risky. But, no, I don't recall - to answer your ... to actually answer your question - I don't recall a discussion about pulling out at that stage. I think we'd gone beyond that point. In practical terms, we were beyond the no return point.