Mr. Peter Fitzgerald:

Okay. Yes, well, to put that in perspective, really, I suppose, what I was observing in my statement was the stress that the bank had been under for such an extended period at that stage. I think it was predominantly around the fact that we had no answers to the constant outflow of customer and wholesale deposits at that stage in that every day was just a fight to try and reassure customers, to try and retell our story, to try and outline that we had no mortgage lending, and all of the other types of answers we would have been giving to the marketplace.

I also think that when the share price went to the point that it did, it probably made equity raising very, very difficult for the bank. And so, without specific, you know, sitting down and saying, "Oh, this has to be the end", I think what I was describing really was just a sense in the bank that, you know, we were in serious trouble here.