Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

That's fine.

Just a very tiny question. You've a background in banking. You're a seasoned individual in terms of finance. You were 14 years on the board of Irish Nationwide Building Society. During your tenure as chairman of the board, the commercial loan book went from €3 billion up to nearly €9 billion - the commercial loan book alone. At the end, €5.4 billion of taxpayers' money ended up going into Irish Nationwide Building Society. Do you accept that it was the costliest bailout of any Irish financial institution since the foundation of the State?