Mr. Brendan McDonagh:

Well, I mean, the Central Bank and the Financial Regulator were the people with the statutory responsibilities around that. I mean, clearly, if I was the Taoiseach and I was looking at the guy from the NTMA who had this view, and I was turning to the Financial Regulator and the Central Bank, who are the statutory responsibility to do it, I'd probably go with the Central Bank and the Financial Regulator, to be honest with you.