Mr. Michael Walsh:

Yes, and, to be honest, I have found some of that difficult to relate to, obviously because as I said to you earlier, I had pretty continuous contact with the regulator - obviously more continuous at different stages than others - and there were issues that were there and all of the issues that were brought to the attention of the board, directly or indirectly, in relation to the regulator were actually, you know, set out in a work programme and actually addressed to.