Mr. John Moran:

I ... I am very nervous here because I do believe we have actually got territory that ... that needs to go. I think I have said, and I think everybody knows, that there was a mandate for the bank, at the time the management team were appointed, which had changed as a result of decisions made by the Government, which were based on advice I made. And, in some respects, we had a different mission for the bank than perhaps was there before and that was likely to ... to lead to ... so, you know, discussions. There ... there is an awful lot more I could say about reasons for this but I have a fear that they're, Chairman ... I'm stepping beyond ... beyond where I can go.