Mr. Brendan McDonagh:

No, no, no ... I know. Listen, I ... the decision-makers here was the politicians, which is the Taoiseach and the Minister for Finance, but I think I would have made my ... if he had asked me, I would have said, "You've got to nationalise these two institutions and to try and deal with the four remaining ones as best as best we can." It's, you know ... this wasn't an easy decision. This wasn't ... it's easy to look back at decisions we made and said, "You should have this, you should have done that." But the decision, you know ... but I think at the time and I have to believe from Mr. Doyle and Mr. Cardiff said to this inquiry. They said they made our views known. I take their word that they made their views known and I don't think I would have said anything different other than what I'm saying to you now is that I would have pressed strongly for the nationalisation. Clearly, they could have been said, "Thank you for your views but we're going a different route." That's fine. I'm not the decision-maker. I'm only ... if I was only asked for my views, that's what I would have said.