Mr. Cormac McCarthy:

I can't, Senator, all I can give you is the context in which they came, so, looking at the letters ... looking at the letters cold, you're correct. All I can say to you is that we responded to every one of these letters, we answered all of these questions. I don't have the responses to hand. What responses I've been able to find to some of the regulatory letters that were presented to me I have given back, and it shows, as do our board minutes, that we ... we took the matter seriously and we responded. Contextually, the point I make about process is it is very challenging if you're in a situation where someone does a review, takes a load of files, and doesn't ask you a question at the time, goes away, writes a letter, and then it comes into you, and it's clear that they have missed something, or not got something right, that's the challenge.