Susan O'Keeffe (Labour) | Oireachtas source

Okay, well, I wasn't proposing to throw everything at ... I was merely going to say that the group's criticised loans, including watch, vulnerable and impaired loans, are graded eight to ten. These are "loans which exhibit weaknesses, where payment is in jeopardy, or where there's objective evidence of impairment. In addition a portion of the group's criticised loans are included in grade seven", and it goes on then to give the detail of how much money, how many of the loans were tied up. So this was at a point, this was well before your January-February conversations with the Financial Regulator. You'd already seen in 2007, 2008, that things were not going well, and that you'd already had to ask for contingency liquidity plans. You were now in a position where you could see this, and whatever else you could see yourselves. I am finally coming to it, so I'm just concerned to know how at that point you would end up in all those negotiations, giving, if you like, the assurance, that as a going concern you could let the bank carry on, you could actually sign off on the going concern, given all the things that had gone on?