Mr. Donal Forde:

I mean, perhaps no more than just to repeat what I've said at the outset, Deputy. I made it ... I hope that I've made it clear that, you know, I am party to something that went very horribly wrong, and it's not a pleasant feeling, let me say, and I'm very conscious of the implications of that. But, you know, it is a misjudgment, and it's all of that, but no more than that. I mean, there was at no point, I can say, at any time in my period as MD had I any real concern that the bank was operating in a manner that could be described as reckless. That's poor judgment, but I never had such a concern; I never went to sleep with any anxiety that I was doing the wrong thing for the bank in the medium to long term and, you know, I acknowledge the error of that and I acknowledge the consequences of it, but it's that and it's no more than that, I think, expressed in those terms.