Mr. Kevin Cardiff:

I don't recall the specific question being asked, no. And also I just, bear in mind, I think the way the question was put was along the lines of that they really needed capital at that point, and the minutes you've sent to me talk a bit more about precautionary capital. Capital is ... in a sense, they're consistent with what I was saying last time, that at this point, there was a need for capital mostly based on changing market expectation, that they're already saying, even on 18 October, "Look, let's look at that." And also, you'll recall from ... I'm not sure if I said it last week ... but we and the official system started to focus on capital also almost immediately, probably around the 15th or so, I think, I sent an e-mail to people saying we have to now do an exercise about capital, and about whether nationalisations may be required, and so forth.