Mr. Brian Cowen:

Yes, well, I think that Professor Honohan in his report made some observations in relation to that structure and we simply have to learn and try and work through the issues. I think that ... whilst I don't question for a moment that the people who were working that new structure were doing so to the best of their ability and avoiding turf wars and all this sort of stuff, I think it's important that, as a result of what happened, we had a much more simplified structure and that no indication could be given that there was a problem with ... at what stage does who get involved in what and all this sort of stuff. So it was a question really of looking again at best practice worldwide and, as I say, it was based on the Canadian model.