Mr. Gerry Fitzpatrick:

Not specific to the audit. I guess, during the audit process, clearly, a detailed understanding of concerns the regulator would have would be part of our audit work, so review of regulatory correspondence and an understanding of how the concerns of the regulator might have an impact on the financial measures, whether provisions might be required as a result of that. So we would have a good understanding of what the regulator was writing to the organisation on. We would have made our returns and obviously given copies of our audit summary documents and, at a more thematic level, from time to time, we, as an organisation, would be talking to the regulator about, perhaps, the guidance notes they would be issuing on a whole range of things, but specifically in my period as auditor to Ulster Bank Ireland Limited, the regulator didn't seek any input from me in relation to particular issues they were dealing with.