Mr. Kevin Cardiff:

Well, remember, we all talk as if this programme we had was a foregone conclusion; it wasn't. Not everybody wanted to give us that money. In the IMF, there were naysayers, people who said: "Look, this is beyond our normal range; this is, I think, ten times the quota that is usually available to a country like Ireland for the size of the borrowing". In the ECB, there were people that were saying, "Look we are too exposed to Ireland, this is ... it's not worth the trouble of keeping them going." Philosophically, legally, we were at the edge and a lot of people in those organisations would have thought, "Actually, this is not ... it's not our role to keep this happening." So when we talk about, as I do quite critically, ECB and even the IMF on some points, the fact is there were people in there who were willing to fight for us and keep us in. So it wasn't a foregone conclusion that we would get that money and it wasn't a foregone conclusion in, say, 2011, early 2011 in particular as things kept getting worse, that we would continue to get the money.