Mr. Dermot McCarthy:

I can't recall, Chairman, the detail of the first version, but it did go through a number of iterations and the two, I suppose, substantive changes that arose and persisted. One was in terms of the giving of six months notice for the termination of the guarantee; that was removed. There was another, which I can't immediately recall, but in terms of the spread ... Sorry, the second change was the reference to all institutions being solvent, that warranty by the regulator.