Mr. Gerry Fitzpatrick:

I'm not sure quite what he was ... I suppose I can see two scenarios in that situation. One is if the funding or if the availability of funding isn't strong, one might in an organisation - I'm not saying Ulster Bank - the question will be how you can be reasonably assured that it will have sufficient funding. That wasn't the case in this case because it was part of an integrated group with scaled sophistication and collective balance sheet management. That wouldn't have been something unknown to us. The other factor, the unknown, is what we talked about earlier in relation to the judgment factors, assumptions of property valuations, but if the concern he had was that the auditor wouldn't be given that information, I wasn't ... I didn't feel that I was ... that information was withheld from me and certainly not to my knowledge.