Mr. Terence O'Rourke:

Well, first of all, as Mr. Dobey said before, we are very much plugged in to the global learnings of KPMG, so we were a very important part of the financial services network. In terms of the audit work, what the auditors have got to do in terms of the risk, they've got to look out for ... that was very clear. We've got the training in it on all the kind of things that can go wrong in banks. But you know ... for every a hundred times people ... and one person says this is going to happen, and 99 people say that's going to happen - you go with the 99 people, not the one, because at the end of the day you've got to go with objective evidence of what's most likely to happen. And the evidence overwhelmingly - from ESRI, from IMF, from the financial stability report Central Bank - was that the Irish economy was facing into a soft landing. So that was the basis on which we made our judgments.