Mr. Ronan Murphy:

I think that's a reasonable question to ask, Senator. We were auditors, as I say, solely for 25 years, but there are some very key safeguards in place to make sure that we don't become any less independent than we should be and that we don't provide appropriate challenge and robustness and rigour and, I mean, just to very quickly enumerate those, Senator ... I mean, John McDonnell said he has been partner on the Bank of Ireland for the last five years. We've a new partner taking over. His predecessor did five audits, as did his predecessor. So every five years we're required to rotate the partner. We also have, in the case of Bank of Ireland, a quality review partner. He's not involved in the relationship but he does review the planning documentation. He reviews the papers and, critically, he reviews all of the judgments. So he, again, would be making sure that we applied appropriate rigour and independence and we arrived at the right decision. And I think, thirdly, Senator, it's important to realise that in our engagement with the audit committee of the Bank of Ireland, every number of years they would do a formal review of the quality of our service, and that would have happened on every, probably, third anniversary, where they would look to make sure that we were providing the services that they thought were appropriate. So those safeguards would ensure that we have, and we continue to apply, the right level of independence.