Ms Ann Nolan:

Okay, just on the night of the guarantee, at that time I was not working on the banking side and was not involved and I can't comment on what happened that night at all. I was working on the emergency budget which, if you remember happened on 15 October and was working all that weekend all right but it was on a different topic. So I wouldn't be aware as to what ... why decisions were taken in that. I know Kevin Cardiff has already spoken on this and is in a far better place, and probably William Beausang as well, to give you commentary on that. On whether it would have made any difference, I honestly do not believe it would have made any difference but I can't prove that. You can only run life one way and you only get to see it once but I personally don't believe it would have made any difference on the speeding up of resolution.