Ms Ethna Tinney:

Well, I wouldn't have been that familiar with it, to be honest with you, Deputy, because the way it happened was that there was a public advertisement which I saw in The Irish Timesin September 2000 inviting members of the EBS to apply for the position of non-executive director. And when I decided to do that, I was not particularly concerned with the founding ethos of EBS. I had had my mortgage with them from '85 to '96 so, therefore, I was familiar with how they liked to do things but I didn't delve into the history of EBS, to be honest with you.