Mr. John Gormley:

I don't agree with you. I don't agree with you because that goes down the route of saying, "This was the worst decision ever made, and, therefore, our problems stem from that, therefore, we went in ... this is the reason we went into the bailout, because of the guarantee". Our choices were extremely limited. Most of the damage was done before the guarantee - 90% of it. And, you know, as I said it was the least worst option under the circumstances and it wasn't the cause of us going-----