Mr. John McDonnell:

No, Deputy, we do not have a role in that. Our ... the beginning and ending of what we look at, in terms of risk, is the risk of material misstatement in the financial statements, that is, that impairment is properly calculated in accordance with accounting standards. We do not have a role in determining the bank's lending strategy, or in the appropriateness of lending strategy, and, as I mentioned earlier on, we have very strict independence rules, which means that we cannot stray into management decisions or management responsibility. So we are actually prohibited from being involved in the decisions of how an entity sets its business model or how it runs its business; that's for management. What our role in ... is, is to report at the end of the year on the transactions which fell out of that business model, that they were properly accounted for. That is where our role ends.