Mr. Michael Torpey:

I believe, Deputy, that it would have been deemed inappropriate. The form of production of statutory accounts for the bank or, indeed, for any company I guess, at the time was highly prescriptive. Clearly ... clearly any management is free to make a comment in general about his view of the market, but, you know, the view of the market was ... the universal view was that growth prospects were still positive in the Irish marketplace for so long as I was working in Ulster Bank.