Mr. Patrick Neary:

Yes, it simply, the, the meeting with ... that happened with David Drumm was a particularly informal meeting and he had come in just to voice his concerns about CFDs and to establish as much what CFDs were, as much as who might have had them and it was in that context. Now, at that time I failed to link the two, and have no reason why I didn't ask him, it just is the way it transpired and the way in which the discussion went, which was a very brief courtesy call on Mr. Quinn, and ... unannounced, unexpected. And he had, he had essentially said, "look I have gone long on financials" and I took it to mean that there was no issue.