John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

I only have one minute left, so I want to ask you one final question. On page 1 of your presentation, you outlined a detailed, four line of defence structure against bank failure. First of all, I wanted to ask briefly from whose point of view are you ... is that constructed? Is it from the point of view of the taxpayer, the State, the shareholders? How did you come up with that construct?