Mr. John McDonnell:

The discussions we have with the regulator would be on our approach to the audit of impairment and we would articulate where we would see risks ... where we would see risk in the context of our audit of impairment and how we plan to execute our work to address those risks. Again, I have to say that our audit work is purely around the risk of material misstatement. It's not around the business model. So that's what we discuss. We discuss our approach of the audit of Bank of Ireland.