Mr. Pat Farrell:

That is a very good question. I mean, here's the reality of it, I come back again to the fact we are a representative body, we have an absolute obligation to represent our members' interests. When they raise a matter of concern with us, we have an obligation to advocate that to the relevant authorities. Depfa were themselves directly advocating their position to all of the various authorities as well. I am sure WestLB did likewise and I am sure the other banks that were operating in the retail market did so too. But our job is to convey that view. I mean, I think it is quite hypothetical as I said, if for a very brief period Depfa's status was unclear but it was quite quickly resolved and in any event their liability ... the German regulator took over responsibility in that situation.