Mr. Michael Fingleton:

Deputy ... Deputy, the benefit of hindsight is wonderful but let me remind you that we, in 2008 and prior to the guarantee, had no need to access the ... the wholesale market and I've made that clear earlier. We had sufficient liquidity and perhaps if everybody put their liquidity on the table - of other institutions - we might come out very fairly indeed. And it was all in cash, it wasn't in other instruments where ... some institutions lost a lot of money by not having some of their ... by having their liquidity in those derivatives.