Mr. John Gormley:

Well, I can't say that for certain. I mean, I ... I'm sure, Deputy, that there must have been some individuals in the banks who knew that the situation was pretty dire. And, in any event ... and you know, the financial experts will tell you, sometimes it's difficult to know when a liquidity problem becomes a solvency problem. Where is that threshold? But I do believe that there were individuals who must have known, in the banks, that there was a problem. That's my view. Do I have evidence for that? I don't.