Mr. Richie Boucher:

I think that there, what was a ... our desire was to explore what was happening elsewhere. Naturally, the markets at that time ... so what we were looking at, do we have a private sector solution? And what the markets were looking in particular, was Government intervention and Government-related solutions, so what my colleagues were trying to explore is, what was the approach, we were trying to get some feedback from the regulators because we were hearing from our investment bankers and our contacts that in the Bank of England, for example, was giving very, very clear guidance to the banks it regulated as to what capital levels it expected. There was no point in us starting a capital-raising exercise unless we were at a level of degree and be able to tell investors, "This is what we think the ratios are going to be required, this is a buffer and this is ... the Government is or isn't going to be involved."