Mr. John Moran:

I think it worked very well, I mean let me be clear. I think that during the period of the crisis that worked very well, but where it is necessary, and I'm not saying you have to put it back together, I'm saying it would be useful to analyse that scenario to make sure that there is an infrastructure, or a forum or whatever it is, that allows what used to happen before within one Department, one Minister, one Secretary General who actually had a much greater understanding of the whole thing, to be able to do it. And the example I gave in my written statement was the housing sector, because that's what you've been looking at. We have housing sector problems at the moment, we've had them for two years, they're what I was talking about when we were talking about repossessions stats. But it's split up all over the place, some of the banking stuff is in the Department of Finance, some ... how do you bring all that together in the current structure, that's just what I was saying in terms of finding a way to do that. And maybe the separation, which is contrary to the Wright report, is actually not a good idea - but I'm not saying it can't continue, you can find an alternative way of making sure that you understand that's there, and bringing it together.