Mr. Bernard Byrne:

Perhaps the Deputy will allow me to answer the question in a slightly different way, which is to say that all that occurred in approximately 2008. There are no individuals left in any senior capacity within the organisation who were on the board, senior management team or divisional management team at that time. They all left the bank as part of the reform and reorganisation of the bank up to 2011. None of those who were part of the institution's overall governance structure survived in their role past that date. That is not to say that I could even go back and think about that. However, it is not the same people as those now running and organising the bank. There is not a point at which a decision was made. It was a reaction as part of the early phase of the crisis that took place across all organisations, as it turns out, and a response to the massive distortion in the market associated with a flawed product at the time.