Mr. John Moran:

I hope so. But I know I made a lot of private interventions as well with them, at the same time, to make it very clear that the shareholder's perspective was that ... was not what maybe some shareholders may have said, "Just don't give any money away," ... was that we thought, from the broader perspective, it was actually in the interest of both the economy and the individual banks to just get on with it. And I think what has happened - and you'll see it in the context of people ... some of the people we hired into the system ... one of the people we hired in to manage PTSB, had a particular expertise in debt management and therefore was able to actually lead in many respects, in terms of the better technology processes. What we didn't appreciate, perhaps, at the time - and it only became obvious - was the lack of preparation that had been done at the levels of the banks and the inadequacy of their systems to actually be able to deal with customers.