Mr. Alan Gray:

I understand but I'm trying to, in the most effective way possible, give an answer to this. That was only highlighting a risk but in terms of what action was taken, I outlined what I felt was the action that was needed. And I said that that risk management strategy must have, really, changes in the regulatory process, including effective monitoring, assessment, quantification and control of risk. And I outlined a number of strategies that could be done to achieve that, actions to increase the capitalisation of the Irish-----