Mr. Pat Cullen:

I think it's also important to mention the Central Bank Act gives us a duty to report on certain things but doesn't give us a right to report on certain things. So the Central Bank Act is a duty rather than a right, so we wouldn't have shared particular concerns. If I had a concern in relation to the standing of the organisation I would have had an automatic duty to go to the regulator and I didn't have that concern so I wouldn't have talked about Ulster Bank to those parties in other matter. As I said from time to time we might have thematic discussions about how they were setting the regulatory environment or their standards or guidance and we might give input to that, but it would not be on a specific Ulster Bank theme.