Mr. Kevin Cardiff:

I haven't, since I saw this document only last night. I looked at what records I had, and there seems to have been a discussion with the Central Bank round about the 18th. I'm not sure of the date because, as I say, I haven't been able to check for sure, but in and around the same time as that board meeting was happening. And that discussion was probably the first, - it may have been, I don't know - the first discussion where the Central Bank, the regulator, was pressing on the banks to say what were their next plans. It seems from my notes of that conversation - I wasn't at that meeting but it was recounted back - that they were a little bit frustrated by the Bank of Ireland, who seemed to be saying they had less available, less to do. So, that together with the fact that even two months later, we were still having discussions with Bank of Ireland, and other banks, where we were saying, "Look, you know, what's going on? What are you doing? How can we raise capital for you?" And which they weren't averse to taking capital, but there was a sort of a toing and froing going on as to how much, and how-----