Mr. Bertie Ahern:

No, I accept that. There were a number of people that were making the point that we had too much ... there was too much strong credit growth, we had rising indebtedness, we had rising house prices. He made that point and I have accepted that point and I think the Department of Finance, though they didn't agree with everything he said and there were arguments about whether he had taken a broad enough analysis of the situation but I mean, the fact is that he did get it fairly right.