Mr. John Hurley:

I think that... I've said in my opening statement that at a particular moment in time the warnings by the Central Bank should have been stronger in hindsight but we didn't know that at the time. Now, in relation to the idea that I would have had a different view and that I would've given this to the Government, I have a problem with that. I don't have a problem where, for example, there's a specific issue that the Government might not have been aware of where they should be aware of something specific but I think the implication here is that you have a financial stability report or an annual report and the Central Bank publishes a view and that is the Central Bank view. So the notion that there would be another view I have a difficulty with, as a public servant. As far as I'm concerned, that was the view. That was the view given to the Government and if I had a different view, it would've been in the published report.