Mr. Brian Cowen:

Well, I mean, obviously, market reaction is part of it too. But he was a member of the Central Bank and I was ringing him to say, ''Look, if we go down a guarantee route, what are the issues we should be mindful of and how would the market react to that?'' I'm not getting into a ... semantics about it. It's ... I have explained why it is I'd be looking an external view at that point because we had had a long discussion internally and we were coming down to one or the other ... two or three options and that was-----