Mr. Donal Forde:

The first thing to say is I would have been a little bit removed from that. Most of these things were handled at a group level but I would have had experience of it through my executive role. There was a number of events through that time from 2002 to 2009 that would shape my answer to your question. I came to the division as MD at the time of the Ruznak crisis which prompted a fairly radical governance review and overhaul within the bank and the regulator seemed to be intensively involved in that at the time, certainly. Then subsequently, in 2004 there was an FX charging issue. I was at the centre of that; it was in my division and I would regard the manner in which the regulator intervened, supervised and directed the bank as a consequence of that to be quite heavy-handed. It was very interventionist, very demanding. This, now, is in the context of consumer regulation, though, but it was quite ---