Mr. Donal Forde:

Well yes. The people in the property and construction sector, they were obliged to tell me if they were, and they would, frequently someone would say to me that X client has invited me to a football match, or X client has invited me here, and I would approve that. I would usually make sure that they are paying for it, or if it is excessive, that the bank is paying for it, that there was no suggestion of conflict, but you have to do that to a point. It is just a question of judgment that it doesn't go too far but I had no sense ever that it did. Certainly, by the standards, whether they were all true of what seemed to happen in some other institutions, I think we were a long distance behind.