Mr. Bernard Byrne:

A risk function would have existed at that time. I presume that, in normal terms, the obligations would not have been radically different from what they are at this point. I am sure the risk function was part of the overall structure of the organisation and its management team. It would have been a reasonably new idea around 2003, 2004 and 2005 in terms of how risk developed, but it would have had an independent voice and would have been part of the consideration.