Mr. Brian Cowen:

That came up when the ... well, that came to the fore when you had the ... if you had a system-wide problem and right up to the ... even the Governor himself was saying that he didn't see that as an issue until late in the day in terms of the system-wide threat to the economy. But, to answer your question directly, I have no recollection of anyone coming to me, or anyone on anyone's behalf, coming to me, saying, "You should have ... you know, we think a guarantee is a solution." I've never discussed that with anyone in any of the banks at any time.