Mr. Fergus Murphy:

I would ... of course, obviously it's many years before I joined the organisation but my sense of it is that it was driven by survival. More by survival than market share but, Senator, they actually become a similar discussion because it's about relevance. I think the most important point would be about relevance - "Can we ... we can probably survive but can we be relevant? Can we still be a 10% or 15% provider of finance into this market? Can we be relevant in the towns and villages of Ireland?"