Mr. Fintan Drury:

I actually ... I was hoping nobody would pick that up because I think that was a ... that was ... despite the care I took with composing and answering the questions, when I read that again before coming in here today, I really felt that it gives a false impression, which was not intended. The role of the risk committee was to sit every month and be ... present ... we did a number of things but in terms of the context in which you're raising the role, the role was to sit and review the loan book as presented to us by the head of risk. So it wasn't being presented to us by the head of banking or the head of credit, it was being presented to us by the head of risk who was saying, "Here we are, a month on from last month's meeting, we had X number of cases on the watch list, we have moved-----