Mr. Cormac McCarthy:

Specifically, Senator, I don't believe in most cases we were. There would have been instances, yes, where they would have found things, certainly, and we would have corrected them, and, indeed, our board minutes would show discussion and correction, but in the main, my recollection is, we were able to respond on most of the points to the regulator, addressing their concerns. And indeed, if the regulator brought something to our attention that we were in breach of, or doing wrong, we would have corrected it. We took our responsibility seriously in that regard.