Mr. Cormac McCarthy:

We would've had a very similar experience and I assume that ... I had significant briefing and input from Ulster Bank, so, you know, fortunately RBS-Ulster Bank have been very accommodating in briefing me for this and I got a lot of briefing papers. My assumption is that the briefing papers that I received were circulated to my colleagues as well and I took extracts from some of those briefing papers in preparing my witness statement. My only assumption is that my colleagues did the same ... my former colleagues did the same thing.