Mr. Brian Cowen:

To answer your question, it was another source of wholesale funding, and there's nothing wrong with that. But the problem was, it wasn't the fact that there was another source of wholesale funding, the problem was that there was no liquidity in that market or any other money market, which brought about the global financial crisis. So whether it was that, or you hadn't enough deposits, or you hadn't enough, you know ... the problem was the liquidity situation affected all products and you know, the fact that there was a wholesale funding problem in that respect is neither here nor there, the problem was you couldn't get money anywhere.