Ms Mary Burke:

We were aware of a lot of those issues and there were discussions on them in various places. I mean, some of the things like the 100% mortgages actually would probably also have been discussed with ... the consumer context. So there were general discussions around those issues. In terms of banking supervision, other than doing the various inspections that we did, etc., I'm not conscious that we were ... and we were very busy, as I said earlier, dealing with operational issues - much less so strategic as time went on - and that really was probably from the end of '07 onwards. So they would have been considered, and probably discussed also at the financial stability committee, but I don't recall that any definitive particular courses of action were agreed as a result.