Mr. Michael Torpey:

I sought, Deputy, to bring colour to that in my statement. I joined Ulster Bank as part of an acquisition of First Active and I came from a background that was heavily rooted in treasury and capital markets. I presided over an integration of financial systems such that the role ... and putting it as briefly as I can, the role became very much a specialist accounting role. So there was a very different nature to the role post-integration compared with the background expertise and preferences I had in the marketplace. So, it suited RBS that they would get somebody who was a more specialist accountant and it suited me, frankly.