Mr. Gary McGann:

I certainly deemed it to be a very unhealthy environment to be in. And I'm minded ... I'm old enough to remember that the late Tony Ryan, in fact, had a big chunk in Bank of Ireland at one stage and that was deemed - it was much less, it was around 10% - and that was deemed to be an unhealthy situation for an individual to have in a significant bank. So, yes, I did not think, in any sense, that this was a healthy situation.