Mr. Brian Cowen:

Because the Central Bank Governor told me ... the Governor of the Central Bank, who has responsibility for financial stability and who is also a public servant of long standing and well-respected, was saying, as were the regulatory authority, were saying to me, "We have a system-wide crisis. You've got to go with a comprehensive response and you've got to make sure that you arrest this thing now because you'll only get one go at it." And you've got to sit in my position then, Deputy, if you can at that point and say, "Right, where would I be today if I had gone..." ... I'm not saying ... just ... because we can't prove counter-factuals, unfortunately, but say "Where would I be if I went with an intermediate step that wasn't what we did and it didn't work and the word came out subsequently that I didn't go with the advice of the Governor of the Central Bank?" There'd be a problem there too, wouldn't there? So, I mean, the fact that we ... I know we hadn't unanimity. Like, people had a variant of the same thing, if you like-----