Mr. Kevin Cardiff:

They certainly had issues within that, not so much with the lending policy, though in retrospect they should have had, but with the management structure, which they regarded as extraordinarily focused on a single individual. And they seemed, though, to make some progress because there was a new and very experienced, apparently, individual brought into INBS at a particular point in time.

It was said at the time, I can't recall if I heard it from the regulator, but it was certainly said around at the time that this was more or less that they're under pressure from the regulator so they had some impact, if you like, and then that individual, I think, after some months or a year, left. So they were back at square one.