Mr. Fergus Murphy:

I think, Senator, you set the tone from the top. You can't do it yourself, clearly. You need lots of very good people working with you who are completely committed to the to the vision and to the mission, who are up for the change and who are performing and clearly I relied on lots of very good people who I have to say, and it would be wrong if I didn't say, brought an awful lot of discretionary effort to bear through the crisis in working through it as best they could to fulfil the objectives of the society. That's what you would expect, that's what they're paid for, but I do feel I should say that. So, I'm setting the tone from the top, I'm setting the new strategy, I'm relaying the risk appetite - what we're willing to do in the future, what we're not willing to do. I'm making those big changes in terms of direction, and those levers. The execution then clearly of the activities in a granular way through the society - it's not as big as a Bank of Ireland or AIB but it's still a large organisation - is taking place through the teams and through the executive team and the senior management and I think, though, I was able to bring a perspective to bear, which clearly shows a significant change in direction from almost hitting the ground, and I would feel good about that and I would feel that was what my role was about.