Mr. Alan Gray:

So, I think when they came to me on the day of the guarantee - and I think it was that day - they ... I did not invite them to come, they came. I believed they understood that the bank would not open the next day because that was the information that was available to the Financial Regulator and I think was widely known in the market. And I think they were very keen to try and find any option or any channel to, you know, have their views aired. They came and they ... Mr. Drumm had a presentation with him. I told him I had a very busy day and, you know, was there ... I'd prefer he would just tell me what was the purpose of the meeting. And he went through a number of points in his presentation. He didn't leave it with me. I told him these were issues that they should talk directly to the Central Bank on, and to the Financial Regulator, and that was what happened.