Mr. Fintan Drury:

I think I said in my opening statement that I wasn't sure whether it was ... I thought it was Seán FitzPatrick as chairman but it may have been David Drumm as CEO, had done a ... had made an opening comment at the start of the dinner and ... but there was no discussion. And again, whether or not they discussed, you know, you are welcome to the bank and this is what the bank does but there was no discussion about ... of material to the issues that subsequently occurred.