John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

In light of the fact, 2004 Mr. O'Leary was raising concerns, at least, that were referenced in minutes, which have been given and now put to you at this, at this meeting. 2006, there were similar minutes that spoke about concentrations in particular sectors and how the guidelines of the Financial Regulator were being breached, and it went on into 2007. And as late as September 2008, you were at 390% when the guidelines said 250%. You know, what responsibility do you, as the chairman of the board of AIB at the time, bear for that?