Mr. John Beggs:

I would like to wish you well also ... you know ... in terms of what has happened in the Irish economy, I must say it really is a matter of regret, personal regret about the way in which the Irish banking sector has really exposed the economy and the general public to so much pain and difficulties as a result of this. Personally, from the position that I came from within AIB, I personally don't believe that no matter how many doors I had knocked on with a contrarian view would have made much difference. But, I regret very much that I was not more contrarian than I had been.