Mr. Tom O'Connell:

No, it would have ... I think it was published in maybe November 2007, so it would have taken things right up through autumn 2007. Now, the way it was processed, if you like, was that there would be a joint board meeting of the ... with the CBFSAI and the Financial Regulator, and the body of the report will be presented, or the details, you know, the crazy lending, the concentration on property, the funding issues of banks, the indebtedness of the personal sector, all this sort of thing would be covered, and graphs and tables and other things shown to people. And the editorial, if you like then ... there probably would have been a draft editorial presented for the joint boards to consider. They would do ... have a lot of discussion about that. So the tone of the whole report would have been embodied in the editorial, and that would have reflected the views of the bank. In fact, it's probably of interest, I should-----