Mr. Tom O'Connell:

Not with ... not from the regulatory side but, I think, as I said in the statement, my ... the impression I got was that the Governor was not ... didn't have much contact with the banks, because that was all done by the regulatory people, if you like. So at a particular point I can recollect he evidently felt that he would need to get to know the chief executives and the chairmen and so on. And that might have been probably around ... it would have been obviously after 2003 when the structures were set up. Maybe around 2005. So he would have had regular meetings then, maybe six-monthly, say, with the chief executives and the chairmen and maybe some credit officers of the banks. So I would have met a lot of those with him and the director general as well, you know, so that was the forum where the big issues, if you like, were discussed, including, of course, the first thing put to the banks would be, "Your lending is increasing massively, property lending too"; and they sort of invariably said things were okay, you know.