Mr. Fintan Drury:

His particular perspective would have been met by what he looked at, or would have looked at, in the case of Anglo Irish Bank, and I'm not disputing that. Patrick Honohan's view, expressed in September 2009, was a view which was informed by what had happened, what had occurred, and the reality is that, over the period that you are talking about in terms of that stellar growth, which ... and that's exactly what it was-----