Mr. John McDonnell:

I haven't looked at all the documents over the period. I have looked at documents on the file. Basically what is on the Bank of Ireland audit file is work directed towards the audit of Bank of Ireland and that work is directed towards the risks and it's directed towards the audit of those material risks. We don't have a role in determining the bank's business model and we do not do a critique on our audit file of those business models. And the reason I say this, and this is important, we're an independent set of auditors, it's not our job to get involved in the management of the running of the bank and, therefore, we need to be very careful that we look at what we are required to look at and that's what we do and that's what our staff would be trying to do and that's what we would see on our files.