Mr. Gary McGann:

Let me clarify that any of the events that I've read about, at no point ... to my point about one in 100 years, I don't think I can recollect in my lifetime - and, unfortunately, I'm around a long time - when we have seen bank of Wachovia, Washington Mutual, Freddie Mac, Fannie Mae, Depfa, Fortis, you name it, banks all over the place, going into difficulties, if not total demise. I have not seen, as a company that I ran in 33 different countries, the business affected in almost every one of those countries all at the same time. So, I am saying to you the one in 100 years is in the sense of the global nature of what happened and, therefore, geographic spread and de-risking across geographies didn't necessarily underpin models of businesses in other sectors. In Anglo's case, it didn't.