Mr. William Beausang:

Well, with the ... in a situation where all liquidity has flown out of the market, and it's as demonstrated subsequently, that that liquidity was never coming back, there was clearly concern, you know, it would have clearly been right to have concerns around whether those institutions had a future, and particularly because of question marks over their business model and the rate at which they were paying deposit and, you know, all of the other issues that have been explored in various reports to date.