I propose to take Questions Nos. 75 and 84 together.
There was a professional working relationship between my Department and senior management of IBRC at all times. Given the issues which the bank was dealing with at the time, this may not have always led to agreement on certain matters between my Department and senior management of IBRC, nor should this be expected. I would expect healthy debate on such matters between the parties involved and expect they would have asked difficult questions of each other during their interactions given the importance of the decisions being made.
We should expect professionals to challenge, debate and sometimes disagree with each other and not shy away from having difficult discussions in pursuing and justifying what they believe to be the best course of action in whatever issue they are addressing.