Mr. Alan Dukes:

What I pointed out in my opening statement was that we didn't have a bank resolution scheme. We didn't have bank resolution legislation. And if it came to the point where a bank has to be wound down or liquidated, the only legislation that existed in 2008 in this country was the Companies Act. And that, you know, while it was appropriate for part of the operation, it wasn't appropriate to the specific things that you have to do, you know, when winding down a bank.