Mr. Brian McEnery:

I do. I specifically indicated at board level on a few occasions that I would like to get the opportunity to meet the Comptroller and Auditor General for a few reasons. First, that is what I do. I deal occasionally with loan purchasers. I deal with transactions in my day-to-day life. The Comptroller and Auditor General mentioned verbal evidence not being strong. I am an accountant and auditing processes indicate that a valuable source of evidence is verbal evidence. I would like to have gotten the opportunity to meet with the Comptroller and Auditor General to tell him what I could see on a day-to-day basis right through 2014, 2015 and even into 2016 as the discount factors applying in the market. Frankly, I have much transaction experience leading me to the fundamental belief that the discount factor is wrong. Fundamentally, if a discount factor is wrong, to my mind, the conclusion of the probable loss of £190 million is wrong. That is why I would have liked to have gotten that opportunity. It is what I do in my day-to-day work. I interact with parties in respect of transactions.