Mr. Con Horan:

I had worked in banking supervision up to 2006, so I was conscious of the situation where, at times, chief executives came in and met the senior executives and the banking supervision people wouldn't have been involved. I certainly would have tried to the extent, you know, to make sure that that didn't happen and, I'm not saying it happened on every occasion, but certainly, I mean, I wouldn't have been having meetings with banks without understanding the banking supervision position, and I certainly would have been meeting with the people in banking supervision on a very frequent basis, weekly, and more often than that.