Mr. Brian Patterson:

Banking institutions. How was the relationship? I think my experience of the relationship was ... was pretty few and far between. I didn't have a lot of contact with the banking institutions. The chief executive and I met the chief executive of the major banks probably once or twice a year for a working breakfast. And incidentally, at the end of those meetings we always asked the ... the bankers: "Is there anything that we should know about that you're not telling us?" And they always said: "No, it's all fine. Thank you. Can we go now? " And the second part of the question, Chairman, was this voiced by staff?