Mr. Michael Walsh:

No, no, sorry. I need to give you a kind of brief bit of history to be honest. So, you know, what actually happened then, I think probably one of the last, you know, or almost a transition piece of work that I had actually done, having looked at the, kind of, financial markets and where they were actually going was, I suppose, I would have had a view that, you know, the building societies were effectively going to get into difficulty, you know, because effectively from, roughly speaking, the mid-'80s, the main banks were coming into the traditional mortgage market. So I would've done a lot of work for the building societies, in total, in advance of the 1989 legislation. And then, you know, there was consideration given, I suppose, in '92 or '93 to possibly kind of merging the society with some larger entity, which ultimately was, kind of, one of the GE subsidiaries, though not at the time. And, you know, I did a paper for the board of Irish Nationwide. At the time I took a view. I would have had a very good relationship with the Central Bank at that stage. You know, the Governor of the Central Bank, Maurice O'Connell, was somebody that I would've known well, I would've worked closely with him during the time that I was advising the ... really the Department of Finance, in relation to the sale of Irish Life or, more precisely, the flotation of Irish Life. So, you know, I would've-----