Ms Mary O'Dea:

Well, I think that's a very good point because what actually was happening there was we didn't know at that point whether or not there would be a single unified Central Bank, whether there would be a separate regulator or new regulator; the board of the regulator did not know whether it would still be there. So that was a time of great uncertainty. You'll see on the next document just across the page, when I was appointed in 2009, I did bring it to the attention of the audit committee that this was a significant operational risk operating with such stretched resources and actually it wasn't until 2010 that those resources, in fact, were approved and came in.