John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

Okay. Because I was writing as you were speaking, and you said, "There wasn't a realisation that there could be a systemic risk." And I want to ask you to turn to page 5, the bottom ... the last paragraph, on page 5. And I'm going to quote it directly, it just says-----