Mr. John Moran:

But I would answer your question by saying ... what could work differently, by saying that in 2011, when I first learned about this, I had come from the Central Bank, where we had been discussing the very issues of how to restructure the banks. There we met with the commission of the Central Bank on the night before the board meeting, we presented to them what we thought and, although we weren't necessarily there for the decision "Yes" or "No", there was a full interface with the ... with all the members ... of the people making the decisions. In Cabinet at the moment, a paper is presented based on discussions, which may or may not take place across different Government Departments, and only the members of Government are present, essentially, to actually make the decision. And when the bank restructuring was taking place, I was asked for two evenings to present that to the Cabinet as a seminar on the night before - a bit like the commission - but I was left outside the door of the Cabinet, on hold, ironically on a day when I had an awful lot of other things I could have been doing. But I was on hold in case I was needed.