Mr. Donal Forde:

Well, my understanding, when it happened, was that the chief executive, I think, thought that fresh eyes and fresh perspective on the division would be a helpful thing at that point in time - that, I expected was his mindset - and I didn't have a quarrel with that. You know, I was disappointed clearly to be stepping aside when business that I had been intimately involved with for seven years before that, but I understood his rationale. The position that I understood I was taking up, I thought, given, in a way, the difficulties in which the bank found itself at that stage, that it's ... a perspective on strategy would be an interesting ... and a role in which I could make a contribution, and in some sense help with the situation that I was part of creating. The role simply never materialised. I think the bank got into crisis, ever more intensively, from that point onwards. Whatever ambitions he had for that role to develop just never materialised and-----