Professor Patrick Honohan:

Well, we have to know a lot more about it now because of all the information that we've collected. And, I would say the type of our information is also different. What we knew then, and obviously there had been a number of new hires into the banking supervision section then, but they were mostly people with experience ... before ... experience in the Irish banking system. So they knew the banks in a kind of industry knowledge, rather than a clinical scientific ... let's see how many loans that this category of person, this category of person ... we have all of that comprehensive information now. And, in addition I would say that it's not just a question of knowledge, the communication within the Central Bank, among different specialists, is much better now. We have a regime where there's great openness of communication, an openness that can be heard by senior staff, so that I doubt if there are concerns about a particular bank that I would not hear about, and hear about without it being filtered through some kind of a-----