Susan O'Keeffe (Labour)
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Thanks Chair. Good morning gentlemen. I'd like if I might open by asking you to cast your minds back to the days and weeks when you first saw what those bad loans were that you'd taken on, because obviously as time passes you sort of create a new ... a new sense of them. But if you can cast your minds back, you were if you like the citizens tasked with looking at these. You had a huge responsibility, I think you've made that clear yourselves. And so while others of my colleagues will, will ask for specific questions in relation to roll-ups and hair cuts, I just want to know what, what went through your minds when you saw the bad loans in those banks. What did you think then, as opposed to what do you think about it now?