Ms Mary Burke:

-----and perhaps that will help. The manpower planning in the Central Bank was such that some time around the first quarter you got an e-mail saying, you know, "Please fill up these various templates, setting out the staff you need and why". You would have had to submit that to the next level. You would have had to get the approval of your director and your director would have to endorse it. In this particular occasion, in fairness, my director did endorse that decision. That request, however, was made in the face of being told, while we were being asked to complete the forms, that there would be no increase in staff that year. Nonetheless, it didn't preclude the possibility, of course, that the staff could be reassigned. I certainly didn't believe that I could go through that year without asking for additional staff. I should say that in May '08 you would have been projecting staff for the next year because that's how early the budget process started. I did self-centre ... or self-censor, I beg your pardon, somewhat in what I asked for because, having worked in the organisation as long as I did, I knew the reaction to looking for large numbers. We were also in the throes of a review by Mazars and I felt very confident they would flag we were under-resourced. We'd also had Northern Rock and the FSA had produced a report, the name escapes me, but The Collapse of the Rock, or something to that effect, where they indicated that they had three staff supervising Northern Rock, supported by, as I said earlier, a specialist team, and they considered that inadequate for the supervision of a bank that required close and continuous scrutiny. So those were the sort of details I put into my supporting memo.