Mr. Kevin Cardiff:

I think you're mixing three or four different things there, probably deliberately. The €3.5 billion was an assessment at the time, but, at the time, the assessment was that they needed a couple of billion more, not that they needed €19 billion, and a couple of billion more was to be made up by themselves because they had assets that they could sell which would accrue to capital. In particular they had a Polish subsidiary which was sold later. So their plea, if you like, was, "Don't give us more capital; please, please, not more, not more capital. We'll find it ourselves; we'll find the balance ourselves." So that's why, at the time, they got less capital than was estimated to be required.