Mr. Peter Fitzgerald:

I don't, I couldn't give you an informed answer on that because I wasn't on the lending side of the business. I suppose the highest level-view that I could give you on it was that lending to try and stop the lending machine in Anglo, yes, from the start of 2008 or maybe the last quarter of 2007, involved careful choosing of which projects that could be backed, I believe, which projects would need to be not backed any further. And I suppose the point and the reason I put it in my statement was that stopping lending outright when a crisis hits - and it may well have been a factor for all of banks, all of the banks that were hit by the crisis - proved very difficult for Anglo and I don't think your analogy is wrong either.