Mr. John Dunne:

No, I wasn't. I'm quite clear about that. I mean, the process again is important to understand. The detail of the financial stability reports were discussed between the staff, the senior staff responsible on the economic side of the Central Bank's house and the boards of the Central Bank and the regulator. So, at the end of the day, the staff concerned had every opportunity to say whatever they wanted to say but what they said was ... was what appeared in the reports. Now, in my own statement, I make the point that the ... the Governor of the bank was responsible at the ... at the last, as it were, for editing the reports. And the reports were nuanced in a way which ... the final reports, that is, were nuanced in a way to try and ensure that the very things that the bank and the regulator were seeking to protect, namely, to achieve a soft landing and not have the collapse that we eventually saw, that nothing in the report would ... would actually precipitate that and-----