Mr. Pat Farrell:

Yes, I mean, look I said to you before and it bears repeating, that we were responsible for reflecting ... representing the collective interests of the banks. We weren't knowledgeable on or we didn't have access to the details of what was happening in individual banks. Now you cited specifically the Oireachtas committee meeting that I was at. I think an interrogation of that transcript will show that I caveated my statements by drawing on what was acknowledged at the time as good authority and I referenced as my source for my statements, the IMF, the OECD, the ESRI, the Central Bank and the regulator. And you had the Governor of the Central Bank and the regulator at the committee both before my appearance and subsequent, as far as I can best remember, to my appearance.