Mr. Richie Boucher:

No, I think ... you know ... in Bank of Ireland we made a lot of mistakes, we've worked very hard to repay the taxpayers. We can never fully repay in moral terms. We've tried to do it in financial terms. We've restructured our bank, we have a viable sustainable bank. Some of the lessons we learnt is not to follow a strategy we don't think appropriate. We are a strong bank. We hugely regret the loss a lot of people took on decisions we make, we hope that people can have now much more confidence and faith in how our bank will keep going forward, our contribution to the economy and the value we create for our shareholders, but we can never, never absolutely undo some of the moral issues that were a consequence of some of the decisions. We tried to do that financially. And ... I try to do my job in that context.