Mr. Robert Gallagher:

So, Senator and Chairman, I have a view that in general the leadership of banks, and I equally say this of Ulster Bank, acted to the best of their ability and with integrity. And I think, as has been addressed earlier and is acknowledged, the assumptions on which we built the business were wrong. There is a difference between that and a jump to an assumption that people acted with lack of integrity, or lack of good faith, or did their best. In my opinion, and I speak for myself and I can't speak for others, but I did my best, I acted with integrity and I executed to the best of my ability.