Mr. Tom Considine:

Well I ... look, I don't ... I mean, in my view, it's the constant challenge to keep up. It has never been different. As I started to say to Deputy Higgins, back in 1990 that was the reason the NTMA was set up, because you couldn't keep people from the financial sector in the Department of Finance and, by ring-fencing it, you know, you could pay the going rate, or whatever. So that ... you know, it was a challenge but it was a challenge though that, you know, it was worth dealing with and I felt, you know, that if we kept doing what we were doing, which was bringing in and targeting, you know, the particular skills that we needed, that that would build up. But one of the things that happened, you see, was because we were part of a wider Civil Service promotion system, all these bright people ended up departing pretty quickly, so that was ... you know, that's a problem.