Mr. Con Horan:

Right, thank you. Well, certainly, yes, Deputy, I mean, I had come ... I had been head of banking supervision, so I had a particular sympathy for that department in terms of its resourcing, and was supportive of the additional staff in it. One of the problems that was faced ... I mean, the process worked in whereby each individual department put forward their requests for resources and then that proposal was made into the budget and remuneration committee of the bank. My recollection is that the budget and remuneration committee did not fully endorse the request from management for the additional staff, for a number of reasons. I think they felt that the ... there could be savings gained from some of our work. I think there was a broad belief that, from a technology perspective, we were very weak and we needed to improve in that area, to be more efficient and cost-effective.