Mr. Cormac McCarthy:

Sorry, just for clarity, Senator, the letters that I referred to as being generic were the 2003 letters that Senator O'Keeffe referred to. This particular letter was entirely specific to ... to Ulster Bank. It was a 2003 and perhaps the 2004 ... the letters, Chairman, that I received last night, that were generic industry letters with specific items for Ulster Bank. This particular letter relates to a specific inspection of Ulster Bank, and to the best ... I'm not aware of this letter or a version of it, going to other banks. I would say though that it would have been the norm that there would have been thematic inspections and reviews of other financial institutions.