Mr. Patrick Neary:

Well, you see, each department ... each department was compartmentalised and every department would argue - hence the 77 people that we looked for in 2007 - that their resources were stretched. Take, for example, the insurance department where we had the reinsurance directive and the Solvency II directive to be implemented, which was broadly equivalent to Basel II. So, in circumstances like that, the ... those departments also had huge work demands on them and ... but I did have discretion that if there was a surplus in one area, to move to the other, but I just have to qualify that because it was a question of skillsets as well as available people.