Mr. Cormac McCarthy:

The response that I have, firstly, it's not a board minute; it's a credit committee minute so there is a difference but I don't want to split hairs, but it's a credit committee minute.

The response that I have that's been submitted to the inquiry went back and said that full cash flow detail and analysis had been prepared in that particular case. So again, Deputy, this is part of the issue with ... again, if the inspectors from the Central Bank or the regulator had sat down with the team after completing their review and had that conversation, I believe that matter would have been resolved. But it was the nature of the process that meant this came back and then we had to respond. So I'm satisfied that the response dealt with the matter in that the credit committee did get cash flow information, did get full sight, and was deeply familiar with the details of the case.