Susan O'Keeffe (Labour)
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Page 26, I'm just making sure the guys have it, 11 November 2003, in a paper prepared for the board - the quarterly risk review points out that:

[...] a shortage of front-line credit skills is evident at Branch/BRM level and the number of Commercial Branches rated unsatisfactory has increased to 9. [...] Relationship managers continue to be under pressure due to portfolio-size, quality of support and inadequate credit skills.

There is more than that but Mr. Goggin what observation would you make? That was in 2003 that observation was made to the board of Bank of Ireland, the court of Bank of Ireland?