Mr. David Gantly:

Okay, well, I suppose at the outset, while the term "group treasurer" was used, in reality the treasury function was aligned to the bank. The life company's business was quite independent so I suppose that is in the first case. I guess the ... my main interaction then with the bank per se... I mean, obviously, I had a direct reporting line to the finance director which I've said, I would have had obviously a lot of access with the CEO and other members of the bank, I suppose, but by physically not being there you clearly were removed so that had some impact, I think, yes.