Ms Ann Nolan:

Yes. I think Bank of Ireland were the most realistic. I mean, I think very early on they told us that even if, technically, they could do a projection that showed they wouldn't need capital, they felt for the markets to really have faith in them, they needed probably €2 billion extra capital. And AIB told us they were the alpha male that didn't need any capital. And ... sorry that's a bad expression ... they were, you know, well able to cope. And Anglo told us that the private sector would give them capital. The first time I met them I was stunned at the amount of capital the private sector was going to put into them. But, of course, it never materialised. I mean, you knew it was-----