Mr. Michael Torpey:

The ... my own experience of engagement with the regulator was very much consistent with the ... I think the external perception of a regulator who conducted himself in a professional manner but in a somewhat, as I've articulated, formal manner in terms of investigation. A high proportion of the engagement with the regulator, in my experience, focussed on consumer matters, such that as the finance director in the organisation, my direct level of contact with the regulator was quite low. I'm happy to say that the areas in which I had responsibility were not the subject of any major difficulties from a regulatory point of view, such that it wasn't something that I was ... found myself engaging in-----