Ms Mary O'Dea:

Well, I think 2009, as I said, was a year of very much stabilising the situation. We were ... carried out the much more intrusive level of supervision, we challenged every day, and I think probably the biggest issue in terms of the question that you've put to me was around the banks' business plans, so at that stage the banks were providing their business plans for what the future of their business would be. And we saw a lot of ... because we could see all the business plans we saw a lot of overlap around what they were doing and therefore questioned the profitability that would be there. We also then sought to identify, well, what were the major issues that would lead to that profitability and really challenge those in a much more robust way. So that was probably most of 2009.