Mr. Pat Farrell:

I can't recall any specific social contact.

There would have been industry events, such as the FSAI annual dinner, the Institute of Bankers annual dinner, which, you know, is a cast of thousands and ... would have met them in ... if you want to call that a social setting. Then ... I hear references in some of the transcripts to golf but I'm not a golfer, I've never been one, so that ruled me out on that point. And I would have met the regulator as a courtesy call for a cup of coffee maybe once every couple of months.