Mr. David Duffy:

Senator, not to be difficult but I don't really have an opinion because I haven't, contrary to popular views, spent a lot of time studying in the past. Not through any lack of enthusiasm or effort but when we arrived we were already on 18 hour days trying to define the future so I didn't spend a lot of time on the past, and what I looked at was what I just described to you in my previous answer - what are those thresholds that we need to safely run the bank for the long term. So I don't really have a considered opinion on the efficiency of the management prior to my arrival.