Mr. Patrick Neary:

Well, I ... I think it sent ... a certain kind of a chill down everybody's spine at that stage, and I think that's what kind of triggered a heightened ... heightened awareness of the need to put in place arrangements to deal with any possible issues that might arise in ... in the Irish financial system and that's when ... when the Department of Finance and the domestic standing group started to look at these various challenges that they started to address.