Mr. Tom O'Connell:

Yes. Well, in relation to the Alan Barrett comment, which was at ... I think it happened at the launch of the ESRI quarterly commentary, and I think the reference to the fragility of the banks was actually in the quarterly commentary, I was, I was asked by somebody senior to me in the bank to ring Frances Ruane in the ESRI, which I duly did, and asked that, you know, those references should not arise in the future. Now to some degree that's understandable, you know. If the leading research institute is commenting on the possibility of the banks collapsing, I mean, it's one thing to try to sort of cool down those comments but I would argue that behind the scenes, something should be done to prevent that happening and that really wasn't happening at that time.