Mr. Fintan Drury:

No. 2, I felt, from the bank's perspective ... initially I felt I had reservations about whether that was because of my, if you like, general disposition in respect of these things I wasn't sure that that was the best thing for the bank. I never canvassed for it, but what I did do was, along with one of the other non-executive directors, I took soundings as to how it would be received in the marketplace. So we talked with-----