Mr. Fintan Drury:

I think this issue that you've raised is one that actually goes across not just the risk committee and the specific point you've raised, but goes across other engagements by non-executives within the bank over the period of time involved. And I think that sometimes to get the answer to the question, that now seems obvious, you know, what level of engagement have we had with the Financial Regulator? Has the Financial Regulator written to you in the last month, two months, three months? The only was of knowing, of my knowing that such a letter had issued from the Financial Regulator to senior people in Anglo, would have been for me to say at the end of a meeting, "By the way, has the Financial Regulator made contact with you or with any of your colleagues since our last meeting?" And if I was chairing a risk committee today, would I ask such a question intermittently? Absolutely.