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

And the first one speaks about that Ireland faces its most difficult economic challenge in over two decades and the scale of the challenge shall not be underestimated, and you speak about Lehman Brothers in that context. No. 2, you say, "Ireland has been hit by four main international developments, namely: global credit crunch"... was the No. 1 item you put in there. So, the question I suppose I want to ask, in that context, Mr. Gray: do you think it's credible to say that banking was not discussed?