Mr. John Beggs:

Okay, in relation to formal presentations, in my 20-year career in AIB, I made two presentations to the board of AIB. I think one was in 2005 and I'm not sure what the date of the other one, it could have been 2009-2010. Two in 20 years. The group executive committee, which was the most senior executive committee in the bank, I made two presentations in my 20-year career. And to the management committee of the retail bank, I never made any presentations whatsoever.