Mr. David Duffy:

I find it very difficult to answer that, Deputy, because it was a very successful bank for a long period of time. The two years before I arrived, or year-and-a-half, involved multiple CEOs changing and then the executive chairman, David Hodgkinson, who took over. I think my narrow lens on that, not having been here to observe it, would have been that the concentration that was built up was probably ill-advised and led to the exacerbation of the issues that the bank faced when the crisis hit, so from that perspective, I think that was unwise.