Mr. Dermot Gleeson:

Well, I think we need to be careful about this. I don't think there was repetition of error after error after error. There were historical events in the 90s and before I was chairman and while I was chairman this FX overcharging issue came to thing which I don't think was an offensive dishonesty or anything. Bad administration maybe but there was no-one benefitted from it and we repaid fully and we ... all our reports were always supervised by someone from the outside. We got usually a former Governor of the Central Bank come and look over our shoulder while we did those investigations.