Mr. David Duffy:

I think, Deputy, the previous era was a regulatory one where lighter supervision and principles-based regulation were the fashion. And much was made of it, I remember during my time in the UK, much was made of a leading financial centre because it operated a principles-based regulation. Those were far less forensic and far less, you know, controlling. I think, when I arrived, we could see that we were going to have to move to a world where we were absolutely clear in our mind as to what our risk framework and appetitive would be by sector and individual. And we were going to, internally first, be very explicit in our evidence into the board and to the executive supervisory committees that we were compliant with those. It then followed that obviously, and logically, the regulators moved to a point of wanting also to see the evidence of that. If you fast forward to today, AIB is as I said, jointly supervised but by the SSM in Frankfurt. And that is entirely an evidence-based system, so I think both internally and externally, evidence had to be your philosophy.