Mr. Fintan Drury:

2004, 2005, I think, Chairman ... and raised concerns about some aspects of the bank's operations in Switzerland, which were small at the time. And on foot of that, the non-executive director in question met with the regulator's office in Switzerland to review their concerns and then subsequently called a special board meeting at which the facts were put in front of the board and the chief executive and he dealt with the matter to the satisfaction of the regulator. Now the reason I am, if you like, giving that example is, I suppose, two-fold. One, that the regulator in a ... in another-----