Mr. Terence O'Rourke:

No, I think a bank's a very complex entity to understand, and to understand the, the systems and to understand the people, understand the strategies, understand the business models, and if you've got to, sort of, every year, every two years, you get a new person in there, it just takes a huge amount of learning. So I think the most effective way is to get somebody in, and, typically, when somebody's taking over they would probably be shadowing the year before they take over to get an understanding of it, so they come in ... so it's ... it's an extensive process, and I think five years is about right to get familiarity and in-depth knowledge, but not too long to be over-familiar, and not to be fresh in your approach to it.