Mr. Richard Burrows:

Yes I would make broadly the same statement. I'd add to it by saying that within Bank of Ireland we had a pretty robust system of control in place which meant that in relation to any lending we relied on the three lines of defence which I think you've heard about before. And those three lines of defence were of course the very front office - the person engaged in the lending contact - the credit committee to whom that was referred and then an oversight by the internal audit as to the appropriateness of whether the procedures were being followed properly or not. So, therefore ... and that was monitored carefully by the court. So there was a robust system in place, of course there were always debates, I think, but at the same time there wasn't a situation where a particular case was brought to the attention of the court in my time.