Mr. Donal Forde:

I ... for better or worse, I'm not sure which, I didn't get involved with individual loan cases, no, no, ever. Because my view of that was the chief credit officer had 25 years' experience in lending. He was the one we had mandated to review loans. If I stepped in to a review of a case and offered a view, well, I was going to colour that judgment potentially, and that wasn't adding any value. So I didn't look at individual cases, never had an input into one.