Mr. John A. Moran:

I will try to do it quickly. In the past when I was not in the Department a number of staff who dealt with recapitalised banks were in the National Treasury Management Agency. What we did last year was to ask them to work out of the Department so that they could integrate more closely with departmental staff.

That brought a series of corporate finance expertise into the Department directly in terms of being able to do it and reduced the duplication of effort. That is what we refer to as the shareholder management unit. It deals with the bank shareholding directly. It meets at least once a month for a full review by the management of how it is doing on the bank performance. That is the peer review I mentioned where we peer review that with our risk people and others. We then have a separate division which I might refer to as peace time banking policy, which is what Mr. Hogan-----