Mr. Tom Browne:

I decided to go, in terms of ... I had informed the chief executive and the chairman in April of that year that I wanted to leave and I didn't see anything coming down the tracks, as I said in my opening statement. As far as I was concerned the bank was in rude good health in ... as I was leaving. And as I said earlier on in my statement, I never ... a liquidity or solvency event was alien to me in terms of my thinking as I was leaving.