Mr. Kevin Cardiff:

-----and one of the questions I know and it's not for ... it's not one of my things that you'll be asking is whether the Oireachtas did any oversight of the Financial Regulator, as the reporting relationship was there. But we had responsibility for the legislation under which they supervised and that gave us an influence. So, for the supervision itself, zero. For the system, yes, that was ... the legislative structure was there for us. But here's the sort of circular problem: if you're responsible for the legislation for the financial supervisory system, to whom do you go for advice? You ask the regulator, the supervisor, to tell you what they need and what they don't need. As it happens, the actual supervision system they were working within wasn't designed that way because actually the political system ... very much, as it happens, the political system had decided they wanted a different supervision system and that was sort of ... they imposed a model. But all the minor ... all the, sort of, more micro-level legislative adjustments were heavily based on advice from the supervisor itself.