Mr. David Duffy:

I was not planning to hand it back to anyone to wreck and it is not my decision to hand it back to anybody. My objective and strategy, as agreed with the Government and the troika, is to return it to stability for the purpose of lending in the economy, generating enough capital to support restructuring and, ultimately, being a high-performance bank or, at a minimum, a well-performing bank that would therefore be attractive to investors. This decision therefore is for others to make. Our primary purpose is to build a bank that returns shareholder value based on investments and to make it attractive enough for that and to lend into the economy, as well as to provide capital for restructuring. If we simply continue with our current model of selling products at prices that are loss-making, that will be another huge burden for the taxpayer when we actually do not survive.