Mr. Brendan McDonagh:

Yes ... I suppose our main point of contact really because he had invited us along was Mr. Cardiff. And I certainly recall mentioning this to him and saying, "You know, is this not strange that these balance sheets are so big and there's only one or two people looking after them. You know, how can you possibly, how can anybody possibly know, to be able to deal with these complex, big financial institutions with one or two people?"