Professor Patrick Honohan:

Yes. And that was ... and certainly in the case of ILP, as Kevin Cardiff mentioned yesterday, there was a ... there were views in the troika that ILP should also be merged into AIB, or something like that. And on the Irish side, we ... well, we had different views. Some of us didn't want to stand very strongly against that view, but we were very concerned about the lack of competition with the other banks having retreated. So in the end, it was decided to strengthen ILP's capital and keep it going.