Ms Mary Burke:

One, this was not the Bank of Ireland's supervisory team taking up a particular issue and pushing Bank of Ireland on their view of it ... sorry, I beg your pardon, pushing the bank on their view of it. It was positioned as a general policy review, we were trying to do in the context of the requirements that were coming in CRD, which is Basel II. So in that context, perhaps the language they used as to whether they were comfortable or not might not be the language you would use normally but they were trying to explain to us the policy they had to inform our thinking on the policy we would develop. In terms of your analogy of a policeman, I suppose, what I'm saying is this wasn't the policeman role per se.