Infrastructure is the biggest challenge, getting people into and out of work in Dublin.

All those five departments work together to create something that will hopefully completely engage and immerse people to the point where they lose track of time.

What all these people had is a belief in themselves and a belief in their work and the perseverance to keep trying until they succeeded.

The main challenge here is that critics will say they haven't demonstrated the revenue growth they've promised in the past. But we like the transaction. We're comfortable with the premium and the management after the merger will be a very strong one.

We think that this year new business will probably be up 25 percent but I think the risk to that is on the upside, not the downside.

There's a general acceptance now that house price growth is a problem.