Ms Eimear Cusack:

What I am referring to, and I will be very clear, is that a decision was taken before the scheme closed between the director general and the CFO, one of whom reported into the board and one of whom attended the board. I was given the assurances that the savings would be made and to implement. I have said, and I have been very honest, that in hindsight I should have pushed back further on the decision.