Mr. Brian Cowen:

Well the full extent became known over a period of time and there were a lot of management and board changes during that time. You know, so ... I mean, the Minister for Finance had made it clear about a number of things regarding bonus performance being stopped and salary caps and a whole lot of things like that. There were other situations where people retired out of their jobs, indeed, before the nationalisation was completed. So post-nationalisation we ... you know, the Minister appointed public interest directors. He had a constant interaction with the banking industry and he made it clear what was expected both in terms of codes of conduct in terms of mortgage arrears, in terms of how customers were to be dealt with. There was a whole range of areas where changes took place at the instigation of the Government.