Mr. Fintan Drury:

Well, I don't agree that the risk function was inadequately resourced. And it's important to remind the committee that when I said that in my opening statement I said ... I used the past tense, that I had believed that the risk function was adequately resourced when I was working as a non-executive director of the bank. I don't believe certainly that the risk committee was ... lacked any degree of independence or lacked any degree of capacity to investigate and to push and probe and ask questions of the risk function.