Mr. Kevin Cardiff:

Well, I thought I was answering it. Maybe I missed it. But no, I don't think that, I think, for example, the Regulating Better document you referred to, which I haven't seen in a long time, but I imagine, from recollection, that if it had said what you said ... what you say it says, we would have stopped it. You will see, for example, in the legislation that established the Financial Regulator, where it says, the Financial Regulator should be supportive of growth in the financial sector, growth in the financial industry, it says, and I might have had something to do with putting it in, it says "without prejudice to the prudential protection of the system". And without prejudice doesn't mean you do it a little bit; it means you don't do it if it prevents ... if it goes against the prudential necessities. But what we did want to do, and we were very encouraging where we could be, is create new jobs in Ireland. And certainly my personal predisposition, whenever I met people with ... in the banking sector who might bring new jobs to Ireland, was to be positive. Because, I mean, maybe by the skin of my teeth, but I haven't lost my job in this recession, but I was out of work for a year in the last one and it's an awful thing, so I always have a predisposition, Deputy. If someone comes in and there's jobs involved, I'll do whatever I can for them. But the regulator always had that provision. And, as I say, I don't know if it was me put it in, but if I hadn't ... if it wasn't me I would have put it in, "without prejudice to prudential supervision."