Ms Mary O'Dea:

Actually no, there wasn't a formal decision ... no there wasn't a formal decision to do that. In fact, in 2009, and it's very hard to recreate this, it was extremely ... crisis management and trying to stabilise the situation so there wasn't a pause to set out a strategy and ... the practice changed. And, indeed, it would have been inappropriate to set out a strategy at that stage because I was effectively there for three months until a new chief executive came in, so there was a sequence of events to decide the strategy for the future, but practices had changed-----