Mr. Simon Carswell:

If one goes to the list I mentioned to the Chair, the boards and management of the banks, the Central Bank, the Financial Regulator, members of Government, and then I think further down the list auditors would maybe be included in that. As I said in my opening statement, if one of those groups, like a bank, one bank, very openly said, "I am not going to go down there, I am not going down this route," I think that would have had an effect. Would it have stopped the crisis totally? I do not believe so. It is very difficult to put a specific number but I think it could be brought down to dozens.