Mr. Richard Burrows:

-----focus on, I said that I wasn't aware of all of the issues and all of the things that Government was party to on that night; I was just looking at it from Bank of Ireland point of view. And, from my point of view, it seemed that, in the situation where we could come up, with AIB, with the funds necessary to prevent a default by Anglo the following day, that that could have built time into the system to at least allow a few more days of consideration of the implications of all of that. That said, I believe a guarantee was necessary and was an absolutely integral part of the package of measures which Government put into place.