Mr. Pat Farrell:

And again, you know, like me ... it was ... again, to bring people's minds back there was a very real ... I mean, it dominated the news flow for about a month. There was a pandemic in Asia and the projections by the WHO at the time was that it was likely to spread worldwide and there was a very real and visceral discussion across media about the potential impact to this on critical services, particular ... including banking. And we were asked at the time by the authorities to convene and consider what kind of contingency planning could we put in place to combat a potential threat associated with that.