Mr. Gerry Fitzpatrick:

I think ... I think, Senator, in terms of the concerns the ... the concerns in 2000 and ... without going into each of the documents ... there were different concerns. Certainly the .. the level of reporting of it in 2004 was an issue. There were certainly issues raised by the regulator that Professor Brennan and others queried in relation to the 2007 ... because of the Dublin mortgage centre. It wasn't a ... it wasn't the same issue. But, ultimately, Senator ... the ... if board members have concerns - and clearly I read the board minutes so I make sure that there is an action from my stake I follow it up -but the financial statements are approved by the board members, they give representations to the auditors and that's a particularly significant legal requirement. At no point were those concerns expressed to me as being unsatisfied by the audit committee or the board when they were signing the financial statements ... for which they're responsible.