Mr. Tom Parlon:

Just to finish ... there was a view around that, unfortunately, we all bought into - and in politics I did and in the CIF when I went in there - that the Irish economy was somehow different than other ones, that we were growing faster, that we had bigger population growth, that we were coming from a low base, we had massive immigration and that, somehow or other, we could buck the trend. Clearly, we know that's not the case now.