Pearse Doherty (Donegal South West, Sinn Fein)
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Okay. Mr. Cowen, on page 12, and maybe we can pull it up, of your opening statement, you list eight key factors that you believe were relevant regarding the mistakes made in the lead-up to the banking crisis, and one of those, the second point in that, is that you believed that banks became too dependent on wholesale funding. Do you believe that your policies contributed to the banks becoming too dependent on wholesale funding?