Mr. Pat Farrell:

If I may, if you can imagine, bank A B or C and these are even, if you think about it in the context of evidence you have had from the Central Bank, they make references, they use alphabet to identify banks, so scrupulous are they are about identifying particular banks. The same kind of issues were at play for us. So therefore it wasn't likely, it was impossible that any bank was going to come to me, either bilaterally or certainly not in a forum of other banks, to say we have an issue with X or we have an issue with Y. Our job was to represent the banks where they had common positions and at a reasonably high level where they could co-operate around a particular issue. Remember, and I think I might have adverted to it, I mean, banks would have sometimes made their own individual submissions and issues because they might have a particular specific point of view that was not accommodatible within the broad-church view that we would be advocating on behalf of the collective of banks, if that makes sense.