Mr. Michael Fingleton:

The regulator misunderstood totally the powers that I had. I had defined powers given me by the board and approved by the regulator's office, and they were the normal powers to manage the society and promote the business and develop the business. And, therefore, it would be my duty as CEO to be fully familiar with all the loans, not least as they moved through the process but also as a member of the board where the final decision was being made, so it wasn't unusual. I was suffering from the perception that was out there that it was me and me alone, because I was seen as the face of the society that I came into in the '70s and '80s, and I did promote myself and the society through PR, because we couldn't afford to buy advertising space at the time. So it evolved from that time because I was ... my picture was appearing in the paper day in, day out in relation to some sponsorship we were doing, or some statement I would make, or some conflict I would have with some of the banks or whatever, and that's how that evolved.