Mr. Gary McGann:

Well thanks, Deputy. The particular document referred to, I can't remember it in detail, but having reviewed it I can certainly remember the context. On this board and indeed on any board that I've served, having spent a lot of my life in plc world, I'm very conscious of how businesses interact with the equity investment markets and my advice and views to any boards I've been on are basically contained in the principle that shareholder value, which is ultimately what plcs are required to deliver in the context of a number of other things, is only delivered on a sustainable basis if it's based on a business that has a sound business model, has achieved credibility over time by virtue of its delivery against that model and has a management team which in themselves have got credibility in the market. And my request of the team at all times was to ensure that in articulating the business, the model and the reporting of results, etc., that those factors would be borne in mind, and the manner in which that that would be reflected in terms of outcomes would be that long-term value type holders would invest in the business. So that was the context of my, the issues I would have raised with the team. As I said, I would have raised it with teams in other companies as well.

Your reference to the comment on banks with high growth-----