Mr. Paul Smith:

Well, Deputy, those were individual points of view, but I have to say they wouldn't correspond in my recollection ... and remember, it's six years ago now and further. In my recollection, that didn't correspond with the widely held view by the vast majority of commentators that what Ireland was experiencing - the growth that Ireland was experiencing - would slow down and that there would be a soft landing. That was by far the most widely-held view. So, I agree that there were individual people who spoke out at various times, but if you look over the whole broad level of commentary around the financial crisis, those were very few views in the overall crowd.