Mr. Donal Forde:

So I was aware. Through this time, the amount of ... the degree of movement of staff - senior lending staff - from one institution to another was quite intense on occasions. So, senior lending people were highly prized assets, if I can describe it in those terms, and from time to time we in AIB lost a number ... and the loss of one or two of these was a serious blow when it happened. So, I guess I was very conscious of it and I had two concerns - one, that our remuneration was somewhere on a par with our competitors in a way that wouldn't give people a monetary incentive to move down the road, in the first instance, but that secondly that we were trying to train young people, essentially, who would be able to reinforce and step up, essentially, if that happened. It was an ongoing challenge because you don't learn credit experience overnight and one of the difficulties was that most of the people in ... many of the people, I wouldn't say most ... many of the people involved in credit management in AIB had never seen bad times. That was an anxiety.