Mr. Richie Boucher:

Well, there was credit reviews done. We would have had, in business banking - I'd just come into the role, as the Deputy's aware - we would have had somewhere between 250 and 300 managers that were rated on an ongoing basis, and we had a credit review who go and rated them, to credit stance, credit policies, the number had increased. That number, and the credit skills, were still lacking. During the course of 2006 we had had rapid growth, as of our testimony and is recorded in the documents of, I think it's B4, page 25. In 2008, it was noted there had been a significant improvement, and I bought in from Ulster Bank people I knew had skills to help.