Mr. Cormac McCarthy:

Again, Senator, I don't have the benefit of the answer other than to say that if ... to the best of my knowledge and belief, all of these matters were addressed and answered. If that were not ... and that is recorded in the board minutes ... but if that were not the case then the regulator would have had the right of recourse to come back to us and express its dissatisfaction and escalate it. That did not happen, but, unfortunately, I don't have the answer to this particular letter. But I think the circumstances of how the work was done and how the letters were written to us are relevant in understanding this.