Mr. Terence O'Rourke:

Well, first of all, absolutely, we were not inept. We did very high quality audit on the AIB, I'm quite sure of that. Secondly, in relation to the other matter, the auditors are chosen by, these days, the non-executive directors. The audit committee are the people who choose it on behalf of shareholders. We are the shareholders' auditors and they're chosen by representatives of the shareholders, who are the non-executive directors. Also, our work is reviewed by regulators, so if we were, you know, inept, or if there was auditors who weren't doing what they're doing, the regulators would be calling them out. And that's the way, I think, that the system should work.