Mr. Charlie McCreevy:

Well, can I say this anyway, not alone did the EBS have the guts of a scheme to give some tax incentive for people to save, and Mr. O'Reilly sets it out there, which is quite a complicated scheme, other people came forward with some ideas as well. They were ... the general idea was floating about, and then I came along with what became the SSIA scheme. As I said, in reply to an earlier question a long ... some hours ago, is that, we ... we decide ... decided to having the ... an incentive scheme for savers for the reasons I so outlined, to encourage people, in the very good times, to do what the State was doing, put money aside for an essential day.