Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Would you have shared that view? You completed a paper in the summer of 2009, Resolving Ireland's Banking Crisis, where you effectively said that independent observers would state that Anglo Irish Bank was not a systemic bank, yet a couple of months later in the report you did for the Government, you say it was systemic. What in the interim made you change your mind, so that it went from not being systemic in the summer of 2009 to being systemic? In that context, you might elaborate that in the context of dealing with the ECB-----