Mr. David Begg:

If you had raised it with me, I most certainly would have done, but it didn't seem to me to be germane. Because, quite frankly, I have a difficulty trying to identify a causal relationship between social partnership and the banking crisis. Because, as I said, I mean, Ireland ... you know, if social partnership had an adverse effect, the only area you could see it having an adverse effect in was in relation to fiscal policy. But Ireland didn't have a fiscal crisis, it had a banking crisis.