Mr. Charlie McCreevy:

No, no, I ... can I just point out at that particular time ... I ... we would ... I would have thought that, and I'd say others thought as well, there was a lot of commentary, a lot of articles written with the Irish situation and many Irish people of all types of backgrounds were writing and sending in opinions to everybody as to what should be done. But can I just put it; at that particular time I don't think there was ... it was just talking about broad support of the banks and I think that they subsequently to the guarantee, this legal thing about what was guaranteed became an issue. But I'll nearly wager most people here that around that time, and that would be September, there was no much talk ... there was no ... when you're talking about supporting the Irish banks, it wasn't talked about ... these wonderful terms like subordinated bondholders etc. etc. I doubt that there was any much comment at all about that because most people, most people were warning something will have to be done. And my view, just as a concerned Irish citizen and someone who had been in the Department of Finance and would have known the pressure the guys in finance would have been over, and knowing Kevin Cardiff I'd probably just say-----