Mr. Liam O'Reilly:

Okay. Just to say, in terms of ethos, what I found generally, when there was ... when there was a problem. it wasn't a problem ... there were some culture problems, no doubt about that. And, for instance, in the case of, let's say, the Ruznak affair and the overcharging affair, there was an examination of conscience again and there was a new corporate governance structure put in place. But generally, we found in institutions there was a very strong willingness to comply. The compliance problems didn't occur generally as a result of misbehaviour by senior executives. There were always problems within banks because someone did something wrong, either because it was a mistake or in the case of ... well, in the case of the tax issue, I think that that was a big issue and I remember saying at the time that if someone was to have found to have evaded tax, they were not to be made a fit and proper person for banking.