Mr. Pádraig Ó Ríordáin:

Well, I wouldn't contradict Professor Honohan for one second because he clearly has a very different lens on this than I would have. So he has a lens of the ... you know, financial stability and finance generally in terms of the country's economy. My view is just I would say that there's a logic in saying that if you have a number of banks that seem unsustainable in the longer period of time, you do need to consolidate them or you need to take them off the pitch in some way. This was just the way that it was decided to do that.