Mr. John Dunne:

No, I wouldn't. As it so happens, in my term within IBEC, and remember now I retired in 2000, the issue of the new type of regulatory process that came in after the McDowell report hadn't been a feature, but if it had been a feature, I would have been supportive of the Central Bank view, which was that it was better housed in a single authority. And I think that the ... all the events of the day, which have seen the issue turn full circle, suggest that that was correct.