Mr. Con Horan:

No, I think with ... with the Basel accord coming through we ... we definitely struggled with the skillsets and being able to recruit them from the market. You know, I know that our head of Basel left just before the accord because it was ... you know, there was better opportunities in ... in the sector. So that was a constant problem of retaining the skills and being ... being honest with you, even now I'd say, looking back, we probably needed some additional skills that we hadn't got at that time that we didn't really think about. We were kind of prudentially focused in terms of the Basel accord but I think regulators are better ... better ... more efficient now with the credit experts and market experts and treasury experts - the people who've actually traded in the markets. So, I would say, yes, the construction and the ... the way you would set up a department now would be different, I think, to 2003 and '4.