Mr. Derek Moran:

Financial stability is ... I mean, I think ... financial stability is a matter for the Central Bank, okay, it's their responsibility. I think the one thing that we have learned is that we have to be much more acutely aware of its importance, and to question, and be able to interrogate if we've got a concern. And I think in the period of the crisis, we, certainly, from what I was doing, I would not have been conscious that we were posing those questions, and asking those questions. Certainly in terms of the budgetary process, financial stability issues didn't arise.