Mr. Patrick Neary:

No, and I think ... I think that's ... this brings us back, I suppose, to where we started off this morning talking about principles-led regulation, that it wasn't intrusive enough and I think, you know ... Dr. Honohan is right that the ... a more intrusive approach would have been desirable and I think economists would have had a great role is assisting the accountants and that, in that ... in a more intrusive review of banks.