Mr. Peter Fitzgerald:

I genuinely believe that when I worked with Anglo Irish Bank in the area that I did, that we built a business that was successful, albeit it turned out to be flawed in terms of the thinness of the funding basis that we were building to support the lending. I know that on that side of the business, we certainly worked hard and had some successes. When we look back, I think we had a responsibility and accountability obviously for what happened - most certainly. I don't know whether I could honestly give a view for bankers whether everybody got off lightly or otherwise. Everybody has had to deal with it in their own particular way, I think, in terms of the changed banking environment now.