Mr. Paul Dobey:

Well, firstly I would say you are always sceptical in relation to our bank audits and that's a state of mind. I've given you some examples, as we've talked ... I've just given you some and I've talked to you about the going concern assessment that we ... and steps we had to take in 2007 and 2008 and we were quite concerned about AIB in 2008 and for us to take those steps and talk to the Government was unprecedented actually, so that reflected the scepticism. What I can say is that bank audits ... auditing has changed. The engagement with the regulator has changed, that's a change for the better. There's much more active dialogue now and-----