Mr. Tom Considine:

Yes, it would and, you know, it would be based on the analysis. The situation in relation to that tie-up, if you like ... both the Central Bank and the regulator inputted into assessments of the stability of the system. Now, if those had pointed out that some action needed to be taken then obviously that would have been discussed, but that just didn't happen. Now, you can say, with the benefit of hindsight, I mean, something more should have happened.