Mr. Cormac McCarthy:

I ... I'm sorry, my apologies, Senator, I'm not saying either. I'm simply saying that we took these letters from the regulator seriously. There is context for each of the letters, which doesn't appear. We replied to all of the issues. The fact that the regulator, in these particular letters, did not follow up with us subsequently indicates to me that they were satisfied with our responses. As regards the Dublin Mortgage Centre we had issues post a conversion of a system which we self assessed and raised. I believe I asked for internal audit to do that review myself, but I may be incorrect in that. And as those issues arose, we subsequently corrected them and fixed them. As issues came to our attention, Senator, we took them seriously and we fixed them.