Mr. Michael Fingleton:

We ... they were anxious that we recruit and we had already put it in train ahead of commercial lending. We already had a commercial ... head of commercial lending. I think there's confusion here with the regulator but he was, I believe ... we believed he was going to retire and we were trying to recruit then a top-notch guy from another institution. We were coming up against this perception of being sold and we could only offer contracts. Now, we did succeed in getting one head of lending from another institution but, at the end, he changed his mind and didn't come, principally because we were being sold.