Mr. Gary McGann:

I think the context is important, Deputy. The context is very simple. The business was very successful. The environment was very strong. The profitability and the replenishment of the capital base was stronger than any bank in Ireland. Depositors and investors and rating agencies, etc., were all very, very happy. And, quite frankly, in the circumstances, the obvious, in hindsight, nature of the challenge, particularly in the context of a systemic downturn, wasn't apparent. So, challenging something with the benefit of the hindsight is very clear. The challenge at the time was to ensure that we were in reasonably good shape and there was no evidence brought to board that we weren't.