Mr. Michael Walsh:

Well, I mean, certainly from my perspective, you know, every single piece of correspondence from the Central Bank or, subsequently, the Financial Regulator, you know, I would have taken very much to heart and, you know, tried to ensure that absolutely everything was addressed in it. Would I have felt we were being specially, kind of, identified? To a degree I would never have had that view at the time because I would have said at the time, look, you know, because as I say I'd a very open dialogue with these, you know, Central Bank people or regulatory people depending on the time so, you know, I would have understood when they had what I would call, you know, regulatory concerns which they would have expressed as normal and, you know, on a separate basis when they became, shall we say, more seriously concerned. Whenever there was anything of any, shall we say, seriousness, you know, I would always have actually met with them.