Mr. Cormac McCarthy:

Yes, Senator, I can see how that can be interpreted from these documents, so if I might provide some context, again, in the time I had available since last night. I actually did recall this when the letter came in. The regulator wrote to every institution, so the letter you see went to 11 institutions, as did the following letter, both the letter of 31 July and 15 January were general institutional letters. So they went to everybody in the marketplace, not just to Ulster Bank.