Mr. Gerry Fitzpatrick:

There's been quite a lot of debate in relation to the benefits and ... and ... of audit rotation. I think ... there's a lot of learned, in experience, in terms of understanding an organisation. I think the way we as a firm, and our profession, have mitigated that with rotation of audit partners. So in terms of the risk that you might think that might exist - it might be one of bias or whether one had too close a relationship in terms of the judgments made - the rotation of audit partners both right around the Royal Bank of Scotland Group and the Ulster Bank Group caused, to my mind, that to be mitigated. I think an audit process is a very detailed process. I described tens of millions of transactions and very complex processes and therefore transitioning audit can be quite a challenge, so I see no issue - as long as the right safeguards are in process or in place shall we say, and the scrutiny that an audit committee puts an auditor under - to have an audit for a 15-year period.