Mr. Charlie McCreevy:

Well, I'm trying to recall as best I can the sequence of this. I think the memorandum of understanding was agreed by ... was ... came about due to Europe intervening. For a long number of years, in ECOFIN Councils, there had been debates about a cross-border banking crisis, and finally in the middle 2000s they agreed anyway we'd have memorandums of understanding for cross-border financial institutions, and that's were the memorandums of understanding came from. Then in Ireland, I think in 2005, 2006, but you can check this record, but post my time in any event ... the domestic standing group was set up, which incorporated the Central Bank, the Financial Regulator, the Department of Finance and-----