Mr. Patrick Neary:

I don't know what period Mrs. Burke was referring to. In the last few months before the crisis, there were regular meetings held with banks and the Governor organised a lot of those ... he led the meetings and at short notice, I could have been asked to attend those meetings and I would. And in those circumstances, you know, I would have gone along and maybe not have notified anyone in the bank supervision department because I was called in at short notice but as a general rule, when banks were coming in on a prearranged visits to the regulator to deliver their annual results or whatever ... if I attended that meeting, I would certainly have been accompanied by the prudential director or somebody else and a briefing would be prepared. But they would be the regular kind of contacts but in the exceptional contacts that took place towards the end of 2008, you know, I think maybe Mrs. Burke has a point but I wouldn't consider that that would be ... there was no, if you like, practice set out to do that or to go behind her back, I think. I wouldn't accept that.