Mr. Brian Cowen:

Yes, well my recollection of this relates to something similar to what Kevin Cardiff was ... but not quite, in the sense that, I do recall ... it's my belief ... when Kevin Cardiff came to me, for example ... working back, if you like, trying to figure out this and be helpful to the committee, when Kevin Cardiff came to me and said that there was ... he felt this guarantee draft was too wide, obviously that had come from the bank, it didn't come from the Department of Finance because the Department of Finance hadn't drafted it at that stage. So that obviously is a draft from a bank, in my opinion. Which bank, I don't know. But, fair enough, if they wanted to come and have a draft, that's fine. But the issue is this, that they will have worked off that as a sort of a template but on the basis that we were going to have what we said we were going to have, which was ... it was an extensive guarantee, but it certainly wasn't to be any more extensive than the extent we were going, which was a fair bit. And as I say, Kevin Car ... Kevin Cardiff made that point to me and I said, "Well, you stick to what you ... you don't agree ... you don't ... draft this according as we want it." Now, that was that. So I don't recall that being a very big document. It was, you know, maybe four or five lines maybe, from memory now.