Mr. John Beggs:

Well I'll say in relation to lending in the three years, say from 2005 to 2007, from what we've heard from AIB representatives before the committee that ... you know ... staying relevant with your customers and maintaining market share seems to me to ... should have been secondary really to whether the ... you know, the loans were appropriate, whether there was ... given the growth, the rate of growth over the period, did that give us sufficient time to manage those, manage the risk and understand the nature of the loans? It just seemed to me to be ... you know, the rate of growth of lending in that period was excessive and ... ran risks of not being adequately managed and understood. So, so I would have concerns, I think ... I think the bank, as I said earlier, banks are central to the growth of the Irish economy, they are the only source of-----