Ms Mary Burke:

No. In fairness to both the regulator ... or the executives in IFSRA and the bank, it wasn't ... it wasn't that tone necessarily, you know. They would engage with us on issues but where, as I say, it wasn't moving fast enough, or they began to be concerned about the outcome, or in a number of occasions where they didn't like the decision, they would escalate it. It was not necessarily their first port of call. They would go through the process of engaging with us and it was not every decision that was ever made, but I have a number of examples in my head which I found particularly frustrating and annoying and I know people in BSD did as well.