Mr. Michael Torpey:

I would, I would echo that comment, Deputy. You know I was, I was a director of Ulster Bank at the time and, you know, I would have to freely state that I very much regret those decisions which led to the losses and the damage to the economy in general. Decisions were made on the basis of a growth strategy in pursuit of the objectives of the shareholders. They ... there were decisions which were founded on a poor ... assumptions as we now know with the benefit of hindsight. You know, I would wish that those assumptions had not informed that strategy because that would have led to a different set of decisions and a different set of outcomes.