Ms Fidelma Clarke:

I think ... and the reference to me is, I suppose, I was sitting at the meeting in my role as company secretary at the time. There is a paper that, I think, follows that board minute, which is from the group treasurer, and sets out the proposal to provide those lines of credit and to increase, therefore, the overall line of exposure to the sovereign. As both Alan Merriman today, I think, and Fergus Murphy said last week, there was, I believe, a view that that would ... that was not a particular risk for the society at that time. They were all for banks and institutions that were covered by the guarantee scheme and I think you'll see in the treasurer's note that what was being proposed were lines of credit that would be fully covered by the guarantee scheme within the terms of the guarantee scheme.