Mr. David Doyle:

Well, I have ... as I've ... I've given my view in my opening statement today, which I think covers the decade prior to 2008, in which I said that I felt that the regulator didn't get involved adequately in assessing the real position surrounding the loan books of the banks. They accepted too readily the analysis that the banks made, that they were making huge profits, which went on over quite a number of years.