Mr. Matt Moran:

I lived outside of Ireland from 1990 until I came home to join the bank in 2002. From afar, Anglo was seen as a strongly performing business. The culture in the bank was one that was very customer-centric, very customer-focused. People were very hard-working. That was the attitude in the bank. So in those earlier years I was there, those characteristics were good and strong characteristics, I would say, of the culture in the bank. It was a smaller business so people knew each other. You know, it was relatively small at 2,000 people compared to the larger banks of 15,000 to 20,000 and beyond elsewhere in international scene. So that's some colour of what it was like.