Mr. Patrick Neary:

I don't know if there was any outside pressure brought to bear. Nobody came to me and said "Look, you better resign". There was an issue in relation to a corporate governance matter in a particular bank which I think reflected poorly on the authority and in light of ... in light of what had happened with the guarantee and the difficulties that were emerging, I felt that ... I felt that the authority's position and my position in the authority was, was going to be difficult for the authority that the focus would be on this and on my role and I felt that it might be better if the authority and I-----