Mr. Alan Merriman:

Look, I would choose different words. I had a responsibility as the finance director to call it as I saw it within the rules. I had a responsibility to our members and our stakeholders to give as a true an account as I could of what we understood at that point in time. The Central Bank has a different remit. It has a much wider responsibility and part of their responsibility was making sure that we were taking due and proper care. So I would put it in that context. But I answered the question you asked of me in coming here about the integrity of the accounts and I'm just being very clear. We had debate at board levels, we had uncertainty at board level about what was the right number from a provision perspective but I never came under pressure from the board around the integrity of the accounts.