Mr. Fintan Drury:

Well, the truth is that there was a process whereby, as you will know, the risk function operated as an executive function, reviewed the loan book twice a year. We had a watch list and we had an impaired list and there were decisions made based on credit policy around some of which Deputy Doherty has already raised, which were around the whole loan book and that changed. And on a quarterly basis that information was being provided to, to the regulator. But in, in respect of the non-executive function, it seems to me that it behoves management to say we have a letter from the regulator ... Financial Regulator which is addressing-----