Mr. Patrick Neary:

Well, to be fair to them, I think we have to look first of all at ourselves, and our system didn't work. We have to look at the Central Bank, and that system didn't work. And it's not ... wouldn't be ... I don't think it would be justified, if you like, to place that burden on the members of the domestic standing group when the institutions from which they came, if you will, didn't see and react in time to the crisis as it was unfolding.