Ms Fidelma Clarke:

I would have had an ongoing interaction with the Financial Regulator, which would have increased very substantially when I became company secretary and thereafter when I became chief risk officer. So, absolutely, a lot of interaction.

But before that ... before that, I suppose, what ... my interaction with them would have been more on the ... where they came in to do an inspection and then seeing what we would ... what we would respond to them on and helping pull that response together. One of the documents we looked at earlier on was decisions in relation to credit policy from 2006 and, actually, at that time we recommended that we share our proposed changes with the regulator and we would have often invited the regulator in or ... at reasonable intervals if we felt there was something that would be of value for them to know. I do believe it was a ... from what I could see, it was, you know, there were small teams in terms of inspection teams. I think in terms of the broader structure of the Financial Regulator from top level through middle level through the inspection teams ... you know, it's hard for me to comment on the upper levels because I would have had no interaction with them.