Mr. Cormac McCarthy:

As I've said earlier, it was respectful and appropriate, we respected the regulator, we regarded our obligations as being, you know, as being serious. We sought to behave and observe all the appropriate protocols, we took inspections seriously. The relationship was characterised, I think we've submitted something like 300 pieces of correspondence for the relevant period to the inquiry, so there was a fair degree of interaction, but typically it was situational and thematic. There was little enough, kind of broad-based discussion, you know, I would have met the chairman of the Central ... the Governor of the Central Bank and the chief executive of the regulator probably annually for a general discussion, but typically the engagement was around situational matters, inspections, industry-thematic things. I mean, 60% to 70% of the engagement was around consumer matters not prudential matters, so typically what you're seeing in the flow of documents would have been not unusual in that there would have been an inspection or review, a thematic issue came up, a customer issue or a fee issue or something like that, so a lot of the dialogue and engagement was to that end.