Mr. Richard Burrows:

No, I didn't break with the past. Bear in mind, I had been part of the board up to that point - it wasn't as if that I arrived new on the scene in 2005. But I think, as I said earlier, in looking at the strategy of the bank with Brian Goggin, who was then a new CEO in position, we did question very thoroughly the strategy which had been put in place by his predecessor and, in doing that, we brought in quite a number of different external advisers to examine all aspects of the bank's business to make sure that our strategy was robust going forward. So there was ... there was a period of intense questioning during this period of growth of the business of the bank.