Ms Cathy Herbert:

Yes, he did believe that they were. And, in fact, I think the guarantee ... deposit guarantee had worked quite well for INBS and the pressure that it was experiencing abated somewhat and it didn't have liquidity issues quite as badly as the others. But, I mean, of course these were questions I'm sure he asked and he was assured that the banks were sound and that this was a liquidity issue ... that what was ... the pressures now were liquidity pressures that were short term and ... and that's what he believed. That was the advice he was given, that's what he believed.