Mr. Peter Fitzgerald:

The only comment I would make on that, I think, is that what I was looking to do was describe the challenge of maintaining and growing funding, together with curtailing, as best as possible, the amount of lending. If that was the net result that was probably the best the bank could have done at the time. I would also add that it was our view that the credit crisis would abate and that it would resolve. If you look at the results, the presentation of the bank in 2008, it was for, you know, dislocation in the markets to last for another 12 months, maybe 18 months, and then we would regain traction. So it was about slowing, curtailing growth so that we could recover and move on. I think there was never a view in the bank that, quite obviously, that we wouldn't see it to the end of the year.