The result of that, they themselves didn't nearly bring the system down; it was the fact that each of the banks, each of the financial institutions, had exposure to these things, and they knew the exposure they had. So if they knew that we've got exposure to these things, then the guy or the other bank we're dealing with clearly will have the same exposure so we better not expose ourselves to them. And what stopped happening was money stopped moving, and it was the cessation of money moving around which actually nearly brought down the financial system. That was why we saw the intervention, why the banks had to be given the money, the guarantees, to keep going.