Mr. Terence O'Rourke:

We fulfilled our role in terms of the job that we were given. In terms of the reasonable question, which has been put to me a number of times today, should we not have foreseen it coming? Did Irish people not expect? And that goes back to that issue. I think that the information that's contained in accounts, people expect the accounts to tell the whole story, and there's probably more stories to be told than are ... than can be told in a set of financial numbers. And, therefore, the financial numbers, about which the auditors are saying, "These were properly prepared in accordance with the rules," that story, as being told by the financial numbers, was not sufficient to understand what was going on.