Mr. Liam O'Reilly:

Well, first of all, about contrariness, there was some tension about the supply of technology and the supply of people. And the Central Bank were ... and that was the biggest bone of contention. But there were some contrarians and we did have very robust discussions and we came to a consensus in the end. But the contrarians were listened to and ... reflected, to a large extent, I would have thought, in the financial stability reports. The problem, I suppose, was that the consensus was balancing risks, etc., that things were going to lead a soft landing whereas maybe certain contrarians were saying "Well, you know, you may say that but this could end in disaster". But, certainly, the contrarians would not have been a majority or anywhere near a majority on the board.