Ms Mary Burke:

Yes, I mean some of the individuals would have had industry experience; some wouldn't. Some would have come up through the ranks. Most of them would have had professional qualifications or third level degrees, etc. I don't doubt the expertise of the individuals. In terms of one of the many ... many analogies that have been put with me today, I am happy to agree with the David and Goliath analogy that you've put. But in terms of just numbers, the sheer ... if you have one and a half people dealing with a bank, David and Goliath might even be optimistic.