Mr. John Moran:

-----but we have been talking about the banks up to now in terms of the job at hand. The job I came back to do in 2010 was to deal with banking systems. I had already been dealing with the banking system for four years. In terms of a list of things that have improved significantly since then - I will not bother to go through them, as they are in the report - a significant number of things have been achieved. If I had tried to guess where we would have been on those I would not have expected us to be as far down the road as we are, even now. That is because things have improved across the world in a positive way in the past year or two, and particularly in the euro area, in ways that I would not necessarily have expected.