Mr. Fergus Murphy:

Sure. In terms of their, their importance ... their systemic importance, first of all, Deputy, as I mentioned earlier on, I didn't believe EBS had the same systemic importance as, for example, AIB or Bank of Ireland, and would have approached my business with the stakeholders in that regard, which I think was the appropriate and right thing to do. So, similarly, you know, given that I didn't think EBS was systemically important, I also wouldn't have thought that Anglo Irish Bank or INBS were systemic to the system, in the same way that I wouldn't have thought EBS was, because, you have a smaller market share, you were a smaller organisation, you are not a payments bank, a transition payments bank, you're not running ATMs per se, you're not doing basic banking, you don't have current accounts. So, based on that kind of approach, I wouldn't have seen them as systemic.