Mr. Richie Boucher:

We were deeply concerned. We were deeply concerned at what was going on. We were obviously concerned at our own position. And to help put it into a context of what would we have to do ... and like we do today, so we run ... I've provided a 175-page document of the scenarios we run today, in that we said, "Okay, if this happens." So rather than to have the debate of who it is, we said let's just focus on the actions which would potentially have to be considered if a large bank went bust. So ... but we felt that banks could be going bust around us so, I beg your pardon, to answer your question: did we think it was a possibility that one of our competitors, an Irish-quoted competitor could go bust? Yes, we did.