Mr. David Duffy:

Yes, well, as a teenager at the time, I'm not so sure. I can say though that, very explicitly, you don't chase market share and you don't chase competition. What you do is you manage your bank to the limits of what your capital and funding is. I think, if there's any lesson that can be learnt, it is that your priority as an executive, or a chief executive even, is mainly risk management. You manage risk of the bank and everything you do in the bank. And that starts with capital and liquidity and then you allow yourself any indulgence you would like sufficient to maintaining those thresholds. So if somebody said to me, "You must double your market share," the very first question is: there's a lot of commercial discretion around that target, do you understand why? But the very first question is: do we have the capital and the funding to do so whilst maintaining a conservative position in the event of stress?