Mr. Pat McArdle:

I suppose a lot of bankers here are apologising and saying they made mistakes. That was a big mistake by me in that I played the man, not the ball, right. That's the first thing and I apologised for it fairly quickly afterwards. But I would like to come, if I may, to the substantive point of that which is, you know, I took exception to what he was saying ... severe exception and I ... I thought he was off the wall, frankly. And I still take exception to what he said there and I think history has shown that I was right.