Mr. Donal Forde:

I think some of it applies, Deputy. I'd be the first to acknowledge that I think we did lose sight of the cycle; I think that's fair. I think the reason for that was that ... my personal view was that there was some order of economic transformation going on in the country; the number of people in employment was growing dramatically, we'd had a period of expansion, and all of the indications were that ... not at the same pace, but that it was sustainable. So, I certainly was misled into the view that we were not in some bubble but we were in some, as I've said, economic transformation that was in some way more sustainable, so I-----