Mr. Charlie McCreevy:

So they were ... they were ... I think it is ... I think it is ... I don't ... I'm going outside the terms of my writ now, I think it's a little unfair, from the evidence I've heard at the committee and some of the commentary to lay all the blame at a certain door of a certain regulator. I'm not saying that the ... answers not to give ... but I just think to my book of fairness - and I don't know the individual at all.