Mr. Kevin Cardiff:

I don't recall, Deputy, I might have. But remember that for most of that time, I wouldn't have been the person who was dealing with the ... who was giving the fiscal advice. So in the Department, the tax unit that I dealt with was dealing mostly with specific taxes and even tax packages but not with how they tie in to the overall fiscal balance for that year, that was in a different unit and a different section. Now ... so it wouldn't be that I wouldn't be unaware or that I wouldn't be co-ordinating with those people, but it wouldn't be me most of the time who would be giving that advice. Just going back to 2004 then, when I was in the financial sector unit, and the credit growth was starting to take off, no, I didn't ... I never gave, at that point in time, a specific advice that said, "Look, this credit growth is now a real systemic problem." Probably it was a bit too early to say that anyway, but I did have a little bit of a concern that, to be honest, that the ... see, what I was running was a factory, it was a legislation factory. You don't see most of it because most of it actually is in transposition of directives and so forth, so it doesn't come to the House except to the relevant committee. So you won't see it. But there's a huge factory job that goes on in that, that part of the Department of Finance of producing legislation. And in that unit then there was ... there was one or two people whose job was a holdover from pre-EMU, which was to, sort of, keep an eye on markets and credit growth and so forth. And I didn't really think that we were doing that analysis job. We weren't giving it justice, doing it justice, because the unit wasn't ... it was doing other things. So I arranged at the time that that unit would be moved into the economics area, so that credit would be seen and I think it later was, in fairness. It was sort of wrapped into overall economic analysis. I then went off elsewhere to a different job, so ... so the answer is no, but not, but you know, it wouldn't necessarily have been me. But if you read the Wright report there's a fairly, a fairly detailed exposition of who or what advice was given and wasn't given. And I was on the management committee so if I thought, if I had a sense that there was something being done seriously wrong or seriously inadequately, I would have said so. I don't remember saying so, which makes me think I didn't have that sense.