Mr. Fergus Murphy:

Mr. Mark Moran.

He asked me to come into the organisation and to look at it from the perspective of somebody coming from outside of Irish banking, coming from outside of Irish retail banking, and also from the perspective of somebody actually coming back from abroad. So, he gave me a very strong mandate to look at the totality of the organisation and decide what was the best way forward. They had had problems in 2007, in terms of cohesion of strategy and of board, and my role was to come in with outside experience and to try to pull it all together again into the most cohesive strategy and team that was possible.