Mr. Fintan Drury:

Look, I think its ... it's, of course, the case that a significant percentage of the population had no hand or part in what occurred, but, equally, if we are honest as a people, a great many people also over-indulged, took too much risk in their own lives, and, as a result, that was really what I was trying to present in terms of my ... what I see as a, kind of, unique insight, as a non-executive director of a bank that was, if you like, crafting the menu and putting the menu on the table. I have to take responsibility for having been on the board of that bank, that was crafting such a menu. But I was also saying I take responsibility for being somebody who sat at the table and said, you know, "I want more. I want to do more. I want to take on more." That was really what I was trying to explain.