Mr. Kevin Cardiff:

Okay, yes. I think I've already said these guys said that INBS had serious problems in its property book, but no quantification, no suggestion that it would run through their capital was made, that I can recall to me. And I was, I was sitting in a room outside, it wasn't like it was, it was three hours between the time this meeting happened and the time I heard about it. I was down in Dame Street. The reason this meeting happened was because I insisted on it. I insisted on it because the plan was always private sector solutions first. Now I didn't really, in my heart, think that although they might have implied it in the past that two banks were going to come to our rescue at their own risk but that was always the plan. The plan was private sector solutions first, so I wanted at least to make sure that we had explored that option.