Mr. Cormac McCarthy:

All I can say Senator is I don't believe that to be the case. As I described earlier the process the regulator had for these reviews was to do their review and do their work and then submit the letter. Typically as I said earlier we would rather they had discussed these with us at the point of the investigation because I believe most of these as has been seen by subsequent reviews, are capable of being answered. So to the best of my knowledge all of these were answered to the regulator's satisfaction because there is no record that I have of follow up, Ulster Bank can't locate the answer but unfortunately I don't have the benefit of the answer to this which would address all of these on the basis of the regulator. As I said earlier on, the modus operandiwas to come in, take the files and do the work and then leave and write the report. So we would have been able, because mortgage files are quite detailed they can be quite significant.