Mr. Gerry Fitzpatrick:

I mean, I think what ... clearly an audit process involves understanding the environment that is ... the bank is operating ... or any company is operating in. You've referenced a liquidity crisis as part of that and Mr. Soden, and I'm not familiar with Bank of Ireland, or its operations, so it's ... funding banks is clearly a major issue. As I highlighted in relation to the example of 2008, the balance sheet is very much driven by a short-term funding model for long-term assets-----