Mr. Liam O'Reilly:

I was there in 2006 and I was developing this architecture going forward. As a matter of fact, before I had become Financial Regulator, I had set up a regulatory enforcement and development department, which would try and work out a policy as to how we would deal with recalcitrant banks. Another example, by the way, of actions that we took, were in the case of the AIB overcharging and other issues. We've also forced institutions to carry out their own inquiries and pay for them themselves on our ... and we would have specified the jobs. So, it isn't that actions weren't taken, but I think at that time, we should've taken a much more clear action. So, you asked me the question about the Central Bank-----