Mr. Kevin Cardiff:

I don't remember what Governor Honohan said about it being, oh yes, "cumbersome". One of the messages, lessons from the, the meeting was that look, if this notion of having different people in different places with their own teams doesn't work so let's, let's make sure that we don't have that happen the next time. And you could see some reflections of it in our first reaction to the Irish Nationwide. First, one message from the crisis simulation - don't run straight to a guarantee option, there's other options. So, in the INBS thing, our first response was to look for a private sector's approach. The second thing - don't have people in separate rooms. When INBS happened, our first reaction was get everybody in the one room and work in on this together.