Mr. Brendan McDonagh:

Well, as ... I think what was beginning to happen in September 2008 and, you know, my perception of it now, as opposed ... other people have their own perceptions of it, but ... was that the Department of Finance, I think, were becoming understandably concerned maybe about the Central Bank and the regulator and the banking system. And the way it was put to us was that would we come to a meeting, I remember it was a Saturday morning in ... I think around the second Saturday in September 2008, will we come to a meeting in the Central Bank ... with the Central Bank ... with the Central Bank at the Department of Finance, and just sit there and listen and observe and, you know, advise the Department if there was anything we thought that they mightn't have fully understood. And that's how it started.