Mr. Brian Cowen:

I suppose, in fairness, it's not asking me to follow that. It's saying, basically, that it can be difficult, maybe, to decipher which it is in the question of extreme market turmoil and that banks will be saying things to make it look as good as possible from their point of view. I think that's what they are saying. And what I am saying is that, you know, when you're in a crisis situation that we were in ... you know, I take the responsibility. Let me be clear, I'm taking responsibility for the decision. I made this point at the beginning of my opening remarks last time and yet it was suggested that "Oh well subsequently he didn't take responsibility for the decision." I am taking responsibility. People are asking me about other players who were there and I have to say that in a crisis situation you have to rely on the people who are ... who have the statutory responsibility in this area. I mean, what else do you do? What else can you do really at one level? You know, you've got-----