Mr. Brian Cowen:

Well, I mean, it has been pointed out to me the last time correctly ... I mean the scoping paper was pretty comprehensive, the original scoping paper, and it looked at all of these things. But it was doing various things at different rates of priority, if you know what I mean. They were looking at ... it seems to me, looking at all the documentation, and based on the ... what we were hearing back is that you're looking at institution-specific solutions. You weren't looking at systemic solutions for a long time. It's only when the trigger comes in, in September, and you have a ... it's not just an easing or a tightening of liquidity; it's an actual, big event happens, like the Lehman's thing, which happened. And that really, sort of, put everything under stress very quickly, that you start realising they're looking at options ... they're going to have to look at all options. And then Merrill Lynch, who were employed on 24 September, come with a paper on 26 September and that started to look at strategic choices for the banking system as a whole. It's coming in that ... that's the way it's coming.