Mr. Liam O'Reilly:

-----to say that the concerns at the time was that the Central Bank didn't seem to care about consumers and, as a result of that, we have to take that whole area away from consumers. Whereas, I think it was in about 1996, a lot of the consumer elements had been taken away voluntarily, I think, from the Central Bank under the governorship of Maurice Doyle. So, what I'm saying is, if you have a financial crisis, you'd better be near the people who are providing the liquidity.