Mr. Brian Cowen:

Yes, at what dislocation would it cost and at what ... if everyone was trying to meet this arbitrary deadline, just at that July, the amount of people coming in, the costs of funds, the costs of capital, the costs of the jobs, you know, people would be trying, if there was any tax-driven element to this, would be trying to reach that. If you look at, you know, the people who wrote that half sentence also wrote recommendations down the bottom of that page which tell you how they believe an orderly wind-down of the scheme should take place.