Mr. Gerry Fitzpatrick:

There's a number of reasons. The overall Ulster Bank ... so Ulster Bank Ireland Limited is part of the overall structure of Ulster Bank Group. There wasn't any significant change from those years in terms of the total quantum of fee. What happened in that period was certain subsidiaries were unwound. So First Active - which had been a regulated entity separately to Ulster Bank Ireland Limited - was wound into Ulster Bank Ireland Limited and there was a rebalancing of the overall fee of Ulster Bank Group. So it was the way the fee was being charged around the group, together with a restructuring that had that impact. It didn't reflect a particular change in the dynamic of our overall audit for Ulster Bank Group.