Mr. John McDonnell:

Senator, under our obligations under law ... we have an obligation to report certain matters to the Financial Regulator. We do not have the right to report any other matters to the Financial Regulator. We just have an obligation to report some things ... certain matters. And that obligation arises solely out of our work as auditors. So it's only if something comes to our attention as ... when we are completing our work as auditors and, as I explained, our work on auditors looking at risks of material misstatement in the financial statements. Our audit approach is not about considering the bank's business model. And nothing arose from our audit that gave us an obligation to report to the regulator. We are required to, when nothing comes from our work that gives us an obligation to report to the regulator ... to give a negative ... a ... a ... statement that nothing has come to our attention and that is what we included in our annual report to our Financial Regulator at that point in time. And we would have also included with that annual report, a copy of our audit findings document for that point in time. And that audit findings document would have when into ... into detail about our identification of significant risks, our commentary on those significant risks and our commentary on the audit procedures we adopted to conclude our opinion on financial statements.