Mr. Brian Goggin:

You pointed a finger directly at bankers. I would say that the difficulties experienced in Ireland went much wider than that. There was quite a confluence of issues that brought the entire economic collapse to the floor. I don't think all banks should be cast in the same manner. I accept responsibility for the stewardship that I had at Bank of Ireland at the time. But I think, you know, one should be careful in terms of including everybody in generalised statements. But with regard to the, I think, the expression of a kind of support and concern that you've made, Deputy, yes, I can absolutely identify with that, and throughout my working life, I always showed concern and compassion for customers who got into difficulty, and customers got into difficulty even in the good times.