Ms Ethna Tinney:

No. I think one of the things that I found most difficult about being a non-executive member of the board of EBS was that the way board meetings were run, was that you were sent a package, usually at very short notice ... it could be that thick ... on various topics that were going to be discussed at the board meeting. These would contain a lot of power presentations printed out that management were going to then take the board through during the meeting. So what would ensue was that you would have read these papers and yet the relevant manager would spend maybe an hour and a quarter actually taking you through all the frames again. And the net result of this was that if you had two or three presentations like that, the board meeting was over. So I began to realise that we were not talking to each other in the absence of management about the thrust of where these proposals were going. These proposals were managerial proposals-----