Mr. John McDonnell:

Under the auditor protocol the auditors have engagement with the Central Bank and in the context of Bank of Ireland, that's all I can talk ... what .... what would happen is at the start of our ... our audit, the Central Bank would ask us to come in and for us to bring them through our audit plan ... which we would present to the audit committee. And I would go through that plan in detail with the Central Bank. I would bring them through what we consider to be the significant audit risks, why we consider them to be the significant ... significant audit risks and the type of testing we plan to undertake.

Secondly, we would bring them through our ... our assessment of materiality. And lastly, we would bring them through the ... our timetable and our ... our expected communications with management and the audit committee. We would discuss that in a degree of detail and we'd take comment from the regulator. Secondly, then, probably it could be early December, early January, we would have a meeting with the regulator where they ... that ... where we would bring them through where we are in the context of our work and anything that has arisen from that. And lastly, then we would have a meeting with the regulator after we had concluded our work and that might ... would probably be after we signed the financial statements ... whereby we would discuss with the regulator the final ... the final outcome of our work. But as I ... as I would point out, the regulator would ... would also get access to our audit plan documents and our audit findings documents.