Mr. Paul Gallagher:

I was going to come to that and try to do that. On 26 September, we were asked to look at ... the issue had been broached generally, but very specifically, to look at the question of a guarantee across the system, and, obviously, concerns were heightening at that stage. I think concerns deepened over the weekend, and there was the meeting which I wasn't at, or invited to, on 28 September, with Merrill Lynch. And-----