Ms Mary O'Dea:

Well, during 2010, I had finished my period as acting chief executive, so I actually wasn't in that role at the time, it was my successor, but absolutely, I think throughout 2009 one of the very frustrating things of being in an acting role, when it was renewed every month, the position was that I wasn't in a position or didn't have the freedom to take in more resources, starting from a higher level and then setting the shape of the organisation. It was quite clear - though, as you say, although it was too late to prevent what had happened already in Ireland - it was still absolutely necessary and is absolutely necessary that we have this more intrusive model for the future. I think we've learned that.