Mr. Gerry Fitzpatrick:

I don't have the exact data to hand but I can give you a flavour and it would probably be at the Ulster Bank Group level because that's the way we co-ordinate our overall team. I'd say, in all ... and this is from memory, Deputy, that we have about 50 people involved in that work, from a variety of disciplines, as I described earlier in relation to core audit team, to specialists, some with many years of experience, some with less experience. I would say, and again, if you'll allow me just ... from a guesstimate, the kind of ... the senior cohort of the time, in terms of people who were long experienced managers, partners, specialists in tax, pensions and IT would be about over 30% of that time. The amount of time, if you take that group plus all the qualified staff ... people, not just graduates, of ... which is our own intake, but people who've done the exams of either Institute of Chartered Accountants or other institutes, would probably ... would represent more than 50% at the time. And those involved in ... who are less experienced would be subject to the review of those people in the 50%, if you get me.