Mr. Brian Cowen:

What I'm saying is, and I'm sorry, Deputy, for interrupting you, what I'm saying is that the nature of banking worldwide is being facilitated by more wholesale funding, because the traditional way of getting sufficient funds, through deposits, which they had in the old days, post-Depression up to the 1970s, is no longer the cartel and inefficient one it was, so that people who are savers are getting better opportunities to get a return on their money than was the case when banks were the sole repositories of your deposits. So, that means banks, to continue to be the economic actors that they are, have to fund money elsewhere. The reason why we would bring forward legislation is that it's in the interests of a small, open Irish economy, which has a requirement for capital that we have because of the success of our economic policies over the previous ten years, we need to make sure that we can continue to have access to capital.