Mr. Fintan Drury:

-----that the risk function in Anglo was well-resourced. I engaged fully with Dr. Nyberg. I found his approach very insightful, very fair and very comprehensive. And I'm not ... you know, I think one of the things I ... there's probably only one significant finding in Nyberg that I would really take issue with and ... and I think, as I said ... also said in my opening statement, Deputy, the truth is that whatever belief I had at the time that I was a director at Anglo Irish Bank, some of those beliefs have been if not shattered, they have been rendered inappropriate.