Mr. John Dunne:

Well, I mean, that's an interesting hypothesis. It's clear that there was groupthink across a wide spectrum of ... of contributors. I'm not sure that was the case in the bank but ... or, indeed, the regulator, but, I think, at the end of the day we were getting a weight of professional advice and that professional advice was being supported all around the place. I wasn't an expert banker and, therefore, I was probably more likely to take the professional view than if I had been a professional banker. You know, as far as I was concerned, that was the professional view and unless somebody was going to challenge it big time, then I was going to accept it.