Mr. Tom Considine:

Yes, I would be delighted to do that. As a public interest director I have done a large amount of work in developing the governance structure, and the risk structure in particular, of Bank of Ireland. The outcome of that has been to put very fundamental and far-reaching proposals to the board, which were adopted. As chairman of the risk committee, I have overseen their implementation. I am perfectly happy to stand over that. As a public interest director, I would consider that one of the main objectives of the State is to ensure that this never happens again.