Mr. Brian Cowen:

I agree. I mean, when I started hearing the numbers of people that were assigned to each bank in the detail of this inquiry, I was surprised. I would have thought that with the numbers that were employed in those organisations, that the skill sets appropriate to them would mean that there would be more people than that doing the job that was being done, and that was an assumption one could reasonably make, given the numbers that they're in there.