Mr. Liam O'Reilly:

The ... I don't think ... well, sorry ... first of all, I think that the administrative sanctions should've been ... well, it couldn't have been implemented any quicker than when I had it because it ... they really ... we were only ready to start applying them at the end of 2005. But let's take the whole period. I would've said that there was an urgent need, within the system, to ensure we had a comprehensive set of administrative sanctions for the prudential side and I think that that should've happened. We would've had ... we would have requested more resources to do that. And-----