Mr. Liam O'Reilly:

I can only ... I can only say that the ... while I was in the regulator at the time before 2003, when the Nyberg report states, I think, that ... its a footnote somewhere, that it had stopped long before. Sorry, the policy, if you like, was being abandoned long before the Financial Regulator came into office. I would have been there before that so only ... I can only give you the perspective there and the-----