Mr. Liam O'Reilly:

I think that the big thing that might be missed a little bit is the fact that the Lehman's crisis was only the first wave of what happened. After that, there was a world depression. After that, there was a plummeting in prices so that, by a year and a half later, prices were at an exceptionally low level. They're actually recovering now, but I would say that that made a fair contribution to the amount of money that had to be paid out to recapitalise banks.