Mr. Derek Moran:

We read these documents and it does look like the low point of a relationship and exasperation with a series of issues. It is interesting, when we get to the meeting with the Minister, that he refers twice in the course of that meeting to wanting this relationship to work, questions more or less why these issues did not arise with the other banks with which we have a framework agreement and, equally, has to point out that officials represent him when they are looking for information. This is not a good place and is the culmination of a number of things. On the individual pieces, I listed them from one to six from the wealth management unit to Apthorp. They are point in time concerns and different. Some of them did not happen and some of them changed. However, putting someone into the bank, as happened subsequently, was a way of trying to repair the flow of information and have oversight.