Mr. Brian Cowen:

Well, we're back now to auditors and we're back to mark-to-market rules and we're back to a whole lot of things that are not resolvable on the night in question and are still seemingly not resolved. I would make this point to you, that when we sent in people immediately after that night to, as Deputy McGrath said last week, how do you look under the bonnet of these things? Do you go in and see what's going on? You know, they came back again with an analysis was that it wasn't as bad as it turned out to be. So even in real time, when people had time after we had to ... and we had to make a decision ... I mean we could have done nothing there that night. We could have walked away from our responsibilities and abdicated our responsibilities saying, "I'm not big enough, we can't make this decision. It's too big." With all the risks and all the pros and cons, you'll find 20 arguments why you wouldn't do this, and 20 arguments why you won't do that. And if you lose the sight of the basic thing, that if you don't have a banking system tomorrow or next week, there's people ... hundreds of thousands of people who are waiting for their wages who mightn't get them and all the rest of it. People find it hard to understand how it can get that bad that quick but to answer-----