"I just deeply regret that. We would have settled this and paid off the money by December, at least the current year, if not the back year. That was my plan. They didn't agree and we can't impose a solution on them." And, as he seeks to get down to the "nitty-gritty," he's thrown out this challenge to bankers: stop relying on Government borrowing for their profitability and start depending instead on business loans for their profitability. "That doesn't work. If your profitability depends on Government borrowing and Government borrowing depends on its ability to collect taxes, it's a vicious circle." Dookeran's two goals in 2011 are to spearhead economic growth and make the country's balance sheet more sustainable. "And I feel we are moving in that direction. I feel very satisfied. I feel much more at ease at the end of this year than I was at the beginning, although the problems have tripled. I thrive under problems. "I still feel I have broken into the heart of the problem," Dookeran added.