Mr. Brian Patterson:

It was a consumer protection issue. It wasn’t a prudential issue and it was a very high profile one at the time and there was great heat in the system between the Financial Regulator and this bank. And there was a meeting between myself and the chief executive, Liam O’Reilly, at the time – that’ll give you a timeframe - and the chairman and chief executive of this bank and it was at this meeting that this incident happened.