Mr. Fintan Drury:

I mean, it would have been discussed at risk ... and the engagement would have been with the Financial Regulator. I had ... I unquestionably had faith in the risk management function and the risk management team. I think there were errors made ... and rather than appear to be apportioning blame elsewhere, I think as chairman of the risk committee for that last year, and as a member of the risk committee for the previous five years, that I have to accept some of that responsibility. And what I mean by that is, for example, I think that the decision we made to have a ... merge the roles of chief risk officer with that of the finance director was a mistake. And that's not a reflection, important to state, of the, on the individual in question, you know, quite the opposite. But it's in the principle, when you look back, and I'm going to try avoid saying that ... too much, but the principle, at the time the principle should have been wrong. We should have, as a board, we should have recognised that that principle was not good, because the bank was at a scale where those two functions needed to be completely delineated.