Mr. Pat Farrell:

Yes, I want to be very specific now in answering this question because I mean it's important. I mean, there's a number of dimensions to that. We were all aware of the fact that there was a liquidity challenge globally and it impacted here. It was in the public realm; it was being reported on a regular basis. Wholesale markets were drying up. So, of course, I was conscious of that. As regards the situation closer to home, we had that liquidity meeting with the Central Bank where they were, obviously, showing concern and they were actually asking for a more regularised format of reports, so I was conscious of that. Was I having meetings with individual banks about their individual liquidity positions and how they were fixed? No.