Mr. Brian Cowen:

But the predominant view, I mean, that's all you can say about it. It's not unanimous. There was always different views about different things. The predominant view was that the evidence was showing you that it was more ... that it was heading ... there was an abatement in the rate of increase. Absent the shock ... I mean, the shock, we have to acknowledge that the shock that came into the system changed the whole territory completely, because it was so great and so impactful and it affected everything.