Mr. Brian Cowen:

Well, it was a one-off hit on the GGB, let's be clear about that. But I take the point that part of the economic plan had to incorporate a restructuring of our banking system. That's a fair point ... that we had been struggling to try and get a solution where confidence was coming back into the banking system. And the basic problem was that our banking system had got too big for the economy that we had, and that meant that we had to restructure and reduce balance sheets