Mr. Paul Dobey:

Within the bank ... there was detailed sanctioning limits within the bank. AIB was organised on a divisional basis. There would have been a credit committee at a divisional basis if ... there would have been a sanctioning limit for individuals, there would have been a sanctioning limit for credit committees, divisional credit committees and then the group credit committee and certain decisions beyond those sanctions would have gone up the board. And that process happened and we wouldn't have seen exceptions to that process, if I can put it that way. We were satisfied that all of the matters reserved for the board went to the board.