Mr. Cormac McCarthy:

I didn't have ... I can ... I have explained the impact it had on the institution that I ran. I suppose, the best I can say is that in the circumstances, I can understand why a decision like that would have been made, but I say that without the benefit of all knowledge of what happened that evening. So, therefore, you know, the value of my opinion must be questionable, but, you know, it had a significant impact on Ulster Bank, and that was my focus and my concentration, but my lack of insight into the circumstances, as I've explained, leading up to that point and what happened on that evening, leave me compromised in my ability to give an answer to that that would be meaningful, I think.