Mr. David Duffy:

Deputy, I'm not really qualified to give an opinion because I don't know their position. I haven't spent any time with the individuals discussing a position nor would I refer to documents which might outline their position. I think that, you know, all markets, all commentators, all regulators, all others, felt that all banks were capitalised adequately and funded well in the run-up to this crisis and that is not an Irish-specific comment, that is all countries that were involved in the crisis.