Mr. Alan Dukes:

I think, Chairman, we've been through that. At a point in 2010, we believed that it would still have been possible, as Mike Aynsley has said, to centre-post a continuing bank on the basis of the assets as they were then. Asset deterioration subsequently, I think, made that impossible and, by September of 2010 ... I think it was in September 2010, that we began to look at the reality of the need to wind down the bank.