Michael John Townsendwas an English footballer who last played for Conference North side Tamworth, where he played as a defender... (wikipedia)
We will go ahead with the five areas.
We had to bring our underwriting standards up to a level equal to the rest of the state. We had to look at the loans to be sure we had no more major losses. We had to get our staff trained. We've buckled down and done what we needed to do.
The issue has been getting the bank back to a positive earnings basis.