Mr. John Moran:

I don't know if it's just an Irish thing. I mean, I think there was a culture ... I mean, people have acknowledged there's a problem with the ... I mean, I've said that to the European banking agency, and others, during the time of our Presidency, right. I mean, there's a ... there is a broader cultural issue that the financial services industry needs to get to grips with, in terms of understanding how it operates and I don't think that, that I would put Irish banks necessarily in a different space than what you see across the world. I mean, we see very-----