Mr. Gary McGann:

Certainly around the guarantee, I wouldn't have been aware of a number of €3 billion. I think the board were aware that there were certainly challenges in terms of how the bank's model would be sustained longer term. I think the speed at which developments occurred into the period towards the end of September and, indeed, thereafter was huge. The ... I think just to try and deal with it, at no point in time did we, as a board, believe we were dealing with a solvency issue. We most certainly believed we were dealing with a liquidity issue and that liquidity was not just an Anglo liquidity issue, albeit a significant one in Anglo, but was a much wider liquidity issue across a range of different businesses. So at the time of the guarantee, to specifically answer your question, €3 billion, no.