Mr. Charlie McCreevy:

But the ... as I said in reply to earlier questions, I think the ... I think the key figure to look at is the explosion in credit from 2003 to, say, 2007, 2008. Nobody ... certainly ... maybe had a peremptory discussion at some stage, maybe with some of the officials about the increase in credit, but nobody was overtly concerned at that time because the Central Bank structure, including the regulator and the Governor, weren't saying, "There is a great danger of a desperate situation occurring here", at that time. Perhaps later, in the time after the structure that came about, but certainly I don't remember-----