Mr. Gerry Cross:

I will set this in the wider context, which is the function of the European economy and the important role the Central Bank of Ireland has as a regulator in the European financial markets. It is really important that we are clear about our confidentiality and it is clear that the Central Bank makes decisions based on the criteria that are established. That is what we did in this case. Of course, we have the appropriate process to do that but, again, it would be incorrect of me to be precise and say "One person said this and one person said that", because that is precisely the type of thing the confidentiality of supervision and regulatory decision-making is designed to ensure we get right.