John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

I have a brief final question. You said in relation to sectoral concentrations that it was a guideline - it was a useful one. That was your ... a direct quote from this morning. And then you furthermore went on later to say that it was allowed to fall into abeyance. We've had evidence from several banks, including Mr. McCarthy, the former chief executive of Ulster Bank, to say that these guidelines were honoured more in the breach than in the observance. Do you have an appreciation of the absolute anger that exists among the general public in terms of the €64 billion that was pumped into financial institutions, in terms of retired people whose pensions have been wiped out because share prices have plummeted-----