Mr. Tom O'Connell:

The amounts were so large that obviously it had to be funded by ... from either private venture capital, or whatever you call it, or banks. It was quite clear. But actually, at that time, in fact, I think the banks themselves, when they were pressed, maybe at an AGM to explain it, they said "Oh, it's to generate more capital for ourselves." But when you think of it, in that itself, is bizarre, because they wanted more capital to engage in more lending ... to make the bubble worse, you know. So the thing was ... that's an issue, I think, that should be looked into.