Mr. Cormac McCarthy:

To the best of my knowledge, Senator, most of what transpired after the fact we had awareness of in advance. So we would have been aware of cross-connections and we would have been aware of other banking relationships. So a lot of our customers had a long and successful history with Ulster Bank, so we would have had good insight into what they were doing. We didn't have full documentation sometimes but we had very good insight into our relationships.