Mr. Gerry Quinn:

I absolutely take that point. However, I should point out some of the other elements that we put in place at the time because we were expanding. We put in place a formal performance management system throughout the bank. Our concentration in respect of the management of performance is to try to ensure we get the best out of the people we have. Let us consider the organisation and the number of people that have been recruited in recent years. The vast majority of them operate very effectively, are committed to the public service and are dedicated and professional in the things they do. We need to support them in terms of our human resources processes and learning and development. We focus considerable attention on those. These are the cases that did not work out and take a good deal of time to manage through. The Secretary General, Mr. Watt, referred earlier to the value proposition if we do not deal with these. We put the procedures in place. Ms Joyce may wish to add some comments on the other investments that we continue to make in human resources.