Mr. John Gormley:

Well, first of all, I didn't know that the NTMA were there. I didn't know about the advice that you have just spoken about. And, frankly, Deputy, I don't think my presence there would have changed things one iota. I mean, the presentation again is one of "the night of the guarantee". The fact is that this had to go through a process, and the AG was very clear on this, that this was legislation that had to be agreed. So it was open to people the very next day, if they had concerns, they could have raised concerns there. Likewise, as the legislation was progressing. But the fact is that we didn't have those concerns and I didn't see, you know, it as a ... it wasn't the priority for me to go in at that stage because I had, as far as I was concerned, dealt with the issue in my own mind. And I was very clear at that stage that this was the right decision, and I still hold the view that, under the circumstances, it was the least worst decision.