Mr. David Gantly:

I didn't think the bank was going to go under. I think that there was ... I mean, I know I had conversations with the finance director and said ... like, months prior to that, and said that I felt it was inevitable that people would breach the regulatory liquidity requirements. I mean, if I remember correctly, the week before the guarantee, I think, we were, like, ... we satisfied our regulatory requirements twofold, somewhere in that region, to the best of my knowledge, but I was absolutely aware that if the pace of what was happening was going to continue, it just felt that something was going to give.