Mr. Brian Cowen:

No, in fact I think that if you look at what's happening in banking for the past 25 years, this question of wholesale funding is becoming a bigger factor in how banks fund themselves than would be the case in the past, and the reason is that there's competition for the deposits that they used to have almost to themselves. And because of this financial innovation, and other funds, other opportunities for people to get higher yield than very low interest rates at deposits in banks, banks are having to find other sources for their funds in order to do their loans.