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

Absolutely and we'll come to that the next day. I'm really trying to, I suppose, emphasise the point that you said that there wasn't a realisation that there could be a systemic risk and this document which you say you had some discussions with Mr. Cardiff about says in several places, particularly at this point, that there could and it was being examined-----