Mr. Fintan Drury:

Well, I mean, I think that not only did I not have no concerns about it, but, I mean ... and I do think in terms of my ... and I'm conscious, Chairman, that people want to wrap up, but, you know, again in the context of the summary that you gave of my testimony, I mean, in two thousand ... in November 2008, which was five months after I had finished as a board director, a review was done of the Anglo loan book from top to bottom, and there was ... the view taken by the two directors who conducted that review, and which was independently verified by a firm of outside accountants, was that there was no requirement, that the bank did not ... the bank was in ... was perfectly solvent.