Mr. John McDonnell:

The first thing I will say in response to your question is that we showed appropriate and detailed professional scepticism. We carried out a very robust audit of Bank of Ireland and we gave an appropriate opinion and we still stand over those opinions and I would say, as I said earlier on, Nyberg's clearly said the auditors clearly fulfilled this narrow function in accordance with the existing rules and regulations. We're a set of ... we're an audit firm. There are a set of rules. Those rules dictate what we do. We applied by those rules in giving, in giving, the opinion.