Mr. John Dunne:

Well, I think it stems from the fact that in the case of the Central Bank and the regulator, they were setting up a new organisation out of the de-merger, if you like. They were taking one part of the bank and setting it up as a new body. In the case of the merger between the CII and the FIE it had been the opposite; we were merging distinct bodies. But it was the same sort of process, if you like. One was in reverse of the other but the same sort of issues - cultural issues, organisational issues and so forth - were present in both of those. And, there were, at the time of the creation of IBEC, lots of people who believed that this was going to be a very difficult exercise because the cultures of both organisations and their remits were very different, and yet, it had worked out reasonably well. And I believe that it was the organisational issues and people believing that I had some skills in that area that would be useful in the similar but different situation in the bank.