Mr. Donal Forde:

I think, from my perspective, I have described the engagements with the regulator in all other matters, if I can describe them like that, relating to the consumer ... which were pretty rigid, pretty uncompromising. In this regard, the fact that every bank, to my knowledge, in the country was over those limits and had an excessive exposure with property and construction and that the regulator hadn't simply said, "This isn't acceptable" suggested to me that they were not applicable.