Mr. Tony Grimes:

Again, I was not directly involved in my role. With hindsight, I think that ... yes ... the growth looks extremely high. I heard Mr. Hurley saying, you know ... and described the actions the Central Bank took in terms of ... yes, the capital increase that was put in place by the regulator, the expectation that interest rates, you know, were about to rise and so on. With hindsight, I think some intervention would have been good but it wasn't seen in that way at the time. And, as I say again, I wasn't directly involved at that time.