Mr. John Dunne:

I was hoping that you and David would both leave it at the four because I think there is not the slightest doubt that the prime source was the lending policies adopted by the banks because they had cheap money coming from Europe. But, you know, so ... my list of priorities would be the banks, the auditors, the regulator and the Central Bank, the population in general and, you know, this ... this feeling that we were on a roll and the roll was never going to stop. So, there were societal issues playing into an inappropriate lending policy by the banks and an inadequate regulation by the regulator and the enunciation of the risks by the Central Bank.