Michael D'Arcy (Fine Gael) | Oireachtas source

And finally, you said KPMG audited PostBank, HSBC, Defpa, INBS, AIB, EBS at one stage or now ... sorry ... currently, PTSB and BOSI at one stage also. Did you always ensure that there was no crossover in teams? And then if somebody was moving from one bank to another bank, was there a cooling-off period before they went in or not?