Mr. Richie Boucher:

I have done that. I continue to do that. One of my ways of dealing with that is putting action behind words. The actions over the past six-and-a-half years are a recognition of the mistakes I made and my responsibility and a huge drive I have to restructure the bank, to make it a sustainable, viable institution. I've been particularly personally conscious of the history of the bank. I joined the bank ten years ago, it's a 230-year history. I never wanted to be the person that saw that bank demise. I recognised that we had a huge responsibility to taxpayers and I haven't gone around talking in pious terms about, like, what I see other people, you know, "Maybe the taxpayers maybe get their money back at some indefinite date in the future, you know, when the curlew cries three times at Newgrange." I have said we must put in a definitive plan. It's in our commercial interest to repay.