Ciarán Lynch (Cork South Central, Labour) | Oireachtas source

And that kind of brings me on to what will be my final question before we go for the break. As the market conditions were then deteriorating and the loan impairments began to increase, Mr. Forde, did you consider, or was there consideration in AIB at that time, that you had sufficient trained staff with the appropriate skillset to deal with the arrears collections and manage prominent loans?

It's like playing offensive football and defensive football. This was ... you were moving from very open banking now to a far more difficult type of banking.