Mr. Robert Gallagher:

I mean, I think we, Deputy, address some of this ... so clearly as directors of the bank and clearly as executive management members and our respective responsibilities, you do have a responsibility. So as I said in the opening statement, I regret for the fact that the ... whilst the governance and processes were robust, that the inputs and assumptions we made, as others in the economy made ... proved to be not valid, which resulted in the losses.