Mr. John Hurley:

We simply suggested that fiscal policy should be a little bit more prudent. That's what we suggested. But just to be clear, Deputy ... you asked me about any specifics, and, just to be clear, the Minister was never told by me or by anybody else that there was likely to be a collapse in the banking sector, never told because no one expected it, but what the Minister was told was, "Look, there's a lot of heat in the property market, we're building a lot of houses, this ... there are risks associated with this."