Mr. John Moran:

What I can try and say, to be helpful, is that I think people need to understand that - and I'll go more general than any specific bank, right - some things changed dramatically over the course of the last number of years with respect to the banks. Mainly along two frameworks. The first was: was the bank in question, which could include PTSB, AIB, Bank of Ireland or whatever, being restructured and reformed to continue as a going concern or was it being wound down? And, based on that decision, then, what was the appropriate level of supervision - and I use that expression very loosely because we were by no means supervisors in the Department but we were ultimately representing the shareholder in terms of our trying to secure the best deal for the shareholders ... what was the right level of involvement by the Department in AIB, Bank of Ireland or, indeed, any of the ... any bank? And the level of that was dictated as much by the State aid rules and everything else and was encapsulated in relationships frameworks, which were set out. And, I think, I don't need to tell you, Deputy, that ... that during the course of a period of time shortly after 2011, because the mission of some of the banks had changed, the relationship frameworks needed to change for those banks too.