Mr. Cormac McCarthy:

Unfortunately, Deputy, I don't know. All I can say is that I would never had a problem with the regulator speaking to relationship managers and on foot of the letter, we went back to the regulator and, as requested, said to them that we had explained to our people what their responsibilities were in this regard. But if the regulator had come to me or to my senior executives at the time and raised this issue, I believe that there would not have been a problem, so I don't understand how the matter arose. If it had been brought up at the time, I believe it would have been dealt with appropriately in allowing access and subsequently we responded to the regulator to say that "Yes, we were conscious of our obligations and had told our people what they were".