Mr. Brian Patterson:

Thank you. I ... it took place in November of the year. It was long after I had retired. It was a one-off event. I had never during my time, in ... as chairman, accepted private hospitality like that. I had been at industry functions all right. I’d never accepted private hospitality from any of the financial services providers and nor would I have, even during my tenure, or around the time of my retirement. This was seven months later and, therefore, for that reason, for myself, I was comfortable that that was okay to do, all right? When I realised that the executives had also been invited, and they were still in office, I was less comfortable, although it did go ahead. It had been ... incidentally, it had been organised some months before the guarantee, so it was in the diary for a long time. Looking back on it, I ... it wasn’t appropriate for the executives to be there and I think they’ve said that in this committee and I regret that that happened.