Mr. Patrick Neary:

Let me respond to that, Deputy, and I ... I ... I mean, the point of your question is do I regret that, and I do. But now ... just ... I think it's important just to get a bit of balance into my response. I mean, there are two ... there are two cohorts of people involved here. There are the depositors in the banks and there are the shareholders in the banks. The shareholders, regrettably, they lost money. They owned the banks. It was their boards, their directors, that let them down. Their ... their ... the boards of the banks had the primary obligation to the shareholders in the banks. The primary obligation of the regulator was to the depositors of the banks, and thanks to the Government guarantee, the depositors' interests were saved. And I accept that our regulation of the banks did not prevent that happening.