Ms Mary Burke:

I can't say that when I came in at that point I saw systemic risks building up. I ... when I came into BSD we were very focused ... I mean, obviously you have to do a sort of getting to know what the remit of what job you've been handed is. But we were very focused on trying to bring in the capital requirements directive. So we were quite forward looking, I suppose. I did not set about, at that point, to start revising all the current procedures, I was more in terms of developing procedures for the regime that was coming. But, no, I can't say that I say systemic risks building up at that time, nor can I say that anybody else that I was dealing with in the bank, either reporting to me or that I was reporting to, was indicating concerns about systemic risks.