Mr. Denis O'Connor:

I don't think it was relevant at that stage because the information we were getting on liquidity was a matter of fact. We could get it off the guys in the treasury department ... how much money was coming and going on those days and what was forecast to go over the next number of days. There wasn't any judgment on it, where you would have discussions with senior management. It was quite easy to identify the amount of big loans that were up for maturity and whether they would roll over or not.