Mr. John McDonnell:

What I would say is, is that we considered all risk documents, we consider all evidence available to us in the context of formulating an opinion on the financial statements. Secondly, we would have considered all these documents in terms of the required disclosures and we look in the financial statement, the sector risk was properly disclosed in the bank's financial sectors ... in the bank's financial statements and indeed, the funding model to fund those sector risks was also disclosed in the bank's financial statements. That's where our role begins and ends, Deputy.