Mr. Gerry Fitzpatrick:

I believe that the audit I did and the opinion that I raised was appropriate and that I did the work required. And I think Mr. Cullen and myself both described how the process for future looking, which is outside the audit scope, can be enhanced. And, therefore, the process the regulator has now put in place in terms of reviewing other aspects of organisations, their governance, etc,. under what's called GL44 and a whole series of new audit reports is a good thing. But in relation to the past I'm, I'm comfortable with the opinions I gave.