Mr. Jim O'Keeffe:

At an overall level, and we sometimes do not bring out this point strongly enough, our objective was to protect families and homes from the very beginning. The committee will see that was the thread running right through this. There was no concept or bias within the organisation or its culture to want to sort out preferred individuals. The culture was around wanting to help people who were in homes and were in difficulty. That is something we in the team have prided ourselves on as we have brought through the process. Any sign of a conflict is managed carefully.