Mr. William Beausang:

As you know from talking to other witnesses, there's been a transformation in terms of the resources available to the Department. The transfer ... I mean, a post-guarantee designated banking unit was set up in the NTMA with banking experts to work as part of the public response, or the Government's response, to the crisis and that unit was, ultimately, transferred in the Department of Finance to provide the Department of Finance with the expertise that it needed. But that was an expertise that we certainly did not have in the period running up to September 2008.