Mr. Brian Goggin:

What would ... It's easy to say that now with the benefit of hindsight. I clearly would not have relied on wholesale markets to the extent we did but, look, I think that's a shallow response because I know what happened at the time I couldn't possibly have anticipated. I did my best. I always acted responsibly. I think the records and the paperwork show the level of rigour and governance around processes in Bank of Ireland. Look, I started at the very bottom of the bank. I started doing the post in Bank of Ireland. I worked my way to the top. Bank of Ireland is in my veins. I was the one, at the end of the day, that had to stand there when it all collapsed.