Mr. Bertie Ahern:

Well, I can't tell you why it wasn't introduced because that was a matter for the Central Bank and the regulator. But I remember the discussions around that and the official that was dealing with those issues in my Department, I think is now Ambassador O'Leary, if I recall correct. And we ... now ambassador ... we gave those views, which was the views of my officials in the Department, to the Department of Finance and the Department of the Environment.