Mr. Fintan Drury:

Okay. Well, I mean certainly we, you know, the point is already been made that we did not receive ... sorry, I did not see correspondence from our ... anything that was of ... should have been of concern from the Financial Regulator. So the extent to which we lacked an internal, robust source of risk assessment and external feedback is, I think, questionable because the external feedback was something which we did on a very regular basis. I believe this committee must have seen extensive copies of minutes of the risk and compliance committee and of its work and I believe that all of that documentation illustrates or demonstrates the extent to which there was a very intensive assessment of what was going on. It was clearly deficient in some respects, I mean ... there's ... again, I hope I haven't tried to avoid that fact, or come across as I'm avoiding that fact, but it was clearly deficient. But at the time we would have all have felt and considered it to have been extremely robust.