Banking editor, stephen morris stady knows him because he was his personal private banker, j p worgan. Jef stal 's a bit more of a swash buckling character, a vencat. He's very considered, and he has the full backing of the board. Apparently they said that he's been there number one pick for a few years. But as we say, he's shunned the limelight until this period. So really, he's a bit of a blank sheet of paper.