Mr. Michael Torpey:

I think this goes, Deputy, to the core of the organisational structure, which I sought to bring out in my opening statement, where RBS Group operated very much on functional lines in its organisation.

It was an integrated group under the UK prudential sourcebook rules, the UK regulatory rules, such that the control was from the centre of RBS, and that caused people like me to be in a functional line, very much in the accounting line, with a credit process driven through the credit process lines in RBS Group. So I think, in the context of the international group that RBS was and of which Ulster Bank was a subsidiary, it was not unusual that I would not have been part of that process.