Mr. Gary McGann:

I think the ... if I start with the consequence of it and work backwards, if I may, Deputy. I mean, I think, on the positive side, the person appointed was probably the most experienced banker in Anglo, after the chairman himself and, obviously, a qualified accountant, a man of long experience and a man very highly regarded in terms of his knowledge, integrity, etc. So, from the point of view of the role of risk, that was a plus. Under him, as finance director, there was a very strong team led by a very strong CFO who, in my experience, was actively involved in a lot of the areas that you would typically see a finance director in. In fact, the concept of a finance director, with a CFO reporting to the finance director, in my experience, is rather unusual. But, having said that, if you pull it all together and look in hindsight, clearly, I think the answer is it certainly wasn't, in hindsight.