Mr. Tom O'Connell:

Well, I, I mentioned there a couple of the ... in my opening statement, various things were said to me, that the Central Bank is not going to collapse the construction sector was one. The Central Bank is not going to disadvantage the Irish banks and by that they mean ... that was happening at a time when the, the ... some of the foreign owned banks, like Ulster Bank and Bank of Scotland Ireland were going mad with 100% mortgages and they were throwing confetti around the ... loans around like confetti. So, it was said to me that yes, we're not going to, to inhibit the Irish banks. In other words, we're going to let them compete with these mad guys, you know.