Mr. Tom O'Connell:

Well, they tended to be ... a bit of a monologue, sort of, in a way, you know. So, the ... the bank side ... my colleague Frank Browne would make the presentation about the issues and so on, based on the stability report, and, you know, we tried to have a conversation then amongst on the banks.

Now, maybe the banks were a little reticent because there were maybe seven or eight or nine of them there and they weren't going to be that forthcoming themselves. So the interaction was probably a bit inhibited, I think, really, you know. But it was ... the main objective, I suppose, was to get over the message to them of the risks that ... as we saw them.