Mr. Patrick Neary:

No, as the chief executive of the Financial Regulator, I mean, I have to accept responsibility for that and I'm not ... in no way would I seek to throw that elsewhere. And I regret that and I've said that already this morning ... that I regret that we did not have a hard look at that sectoral limit and see was there an alterative way of dealing with the risk. And it would have been done-----