Ms Ethna Tinney:

I think that it's hard to say, because the outcome was a disaster. So, whether it came from a lack of knowledge and experience of how banks work within themselves.

Let's just say in that first board there weren't any bankers. There were members ... a partner of KPMG, that sort of thing, people were very experienced in the financial sector, but we did not on that first board have any bankers so that's quite interesting.