Mr. David Gantly:

With regard to solvency, I mean, the bank had 9.2% capital ratio at the end of 2008. Again, as I said, we were part of the wider group. The solvency ratio in the life company was 1.6% and I think that effectively meant there was a bit of ... a surplus of about €700 million or €800 million capital within the life company. So, you know, solvency was ... I never saw as an issue.