Mr. Alan Dukes:

I don't think ... if there hadn't been policy clashes, there wouldn't have been personality clashes, I'll put it that way. But, I mean, just to give one example of where the difficulty was, the Department was always keen to ensure a flow of information from the bank, which they got - they got it in spades. But in some of the drafts, for example of the relationship framework, if the Department wanted information it had to be supplied on the spot. If the Department was required to give a response, they had seven days or ten days or whatever to reply, which was very uneven. In some cases it was not at all unusual for the bank to say, "here is an issue, here is something we feel we need to do or we want to do, and we need to do it in the next three days". It was no good to us to have an answer back in ten days time, you know. That didn't seem to register with the Department as an objective difficulty on our part.