Mr. Paul Gallagher:

Well, the ... it seems to me that, as a matter of law, until they became actually members of the scheme - it was the scheme that provided the financial support. The Act provided that provided that financial support could be provided individually or through a scheme. The Government opted for a scheme. That was approved. And to avail of the scheme you had to become a participating institution. And to be a participating institution you had to be designated. So that's when the legal effect of the scheme-----