Ms Fidelma Clarke:

No, well, they ultimately did report to Mr. Merriman because some of the credit underwriting team, they reported to me from a management perspective, and I reported to Mr. Merriman. Other people involved in the credit approval process in EBS were commercial lenders and they also reported to Mr. Merriman. But the credit approval process in EBS didn't run along management lines; it ran along a credit approval-----