Mr. Cormac McCarthy:

I don't believe so, Senator, because the risk parameters that we were subject to would have defined our capability and our appetite, so the advantage of that was simply the fact that we didn't have to have a full service, you know, treasury. We had a local, smaller treasury. As it transpired over time, as the FSA put in more limits on the amount of inter-company lending RBS could put in place, we actually had to beef up our own treasury so, as time passed, notwithstanding the commitment at the outset, and as the papers will show, we had our own group asset and liability committee, so we were very heavily exercised in our own funding as time passed, but we couldn't have done anything that was outside the risk framework that was put in place for us.