Mr. John McDonnell:

Yes, well, what happened was that the Bank of Ireland had considerably ramped up their approach to going concern and the going concern detail paper was not available ... was only just made available to us at the time of writing that audit committee report. So, what we did at ... verbally at the audit committee was bring, with management ... bring the audit committee through what the bank did to ensure itself that the going concern concept was appropriate to be applied in the bank. And the work that we did and we would've articulated - and I think it's in the minutes ... and management would have said why they were satisfied with the going concern concept ... we would've brought the audit committee through the work that we did, which I've mentioned to the Senator, and lastly, management would have concluded that they felt it was appropriate for the bank to continue as a going concern. We would've said that we were comfortable with that and the audit committee would've recommended to the board that they adopt the going concern concept.