Mr. Paul Maloney:

Yes, I did. I asked, "Why did you change from Bank of Scotland to Anglo Irish Bank and, ultimately, to AIB?" Let us not forget, there were two banks: AIB and Anglo. I asked, "Why did you change?", and the answer I was given is, "We have two or three days left, one is too slow, the fees I am getting for the other are better and we will get quicker decision-making."