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

I think he's saying even more than that in that comment. Finally, I just want to put it to you that ... or do you accept, I suppose that the question I'm asking, that there is a public perception that a combination of bankers, developers, politicians, regulators and others, have made decisions or not made decisions as the case may be, which have cost the taxpayers billions of euros, but that those self-same individuals have not suffered any cost themselves? Now that is a public perception that exists. Do you think that that applies to you in your position as chief executive?