Ms Mary O'Dea:

That would be my, my feeling, yes, during the year of 2009. Now I should add, though, that it was very difficult to do the more intrusive regulation without having the resources at that stage, and there was a sequence there in terms of, first of all, getting the governance of the regulator correct ... we didn't know whether there was going to be one board, two boards, how that was going to be set up. Then we got a new Governor. Patrick Honohan came in, then the chief executive was appointed, and then the strategy and resources flowed. So there was a natural sequence there.