Mr. David Duffy:

The troika really were not trying to direct too much but they were asking you to deliver a plan which would be viable. They defined certain levels of capital as the norm in the market, now how did we think we could go about it? The engagement was exploratory. What do we think was necessary? What do we think could be achieved? Then they were judging in their opinion whether it was successful. Their purpose was to monitor and review your performance and execution on the strategy to a point where they were satisfied that the bank was sustainable. It was almost like a monitoring engagement.