Mr. Michael Torpey:

Deputy, the bank will have responded to the regulator, clarifying the queries that the regulator raised. The regulator, on his inspection, will, I'm absolutely satisfied in good faith, have made certain observations and will not have found, during that relatively short period of inspection, the evidence of these matters. Personally, I would've preferred if there had been a closer engagement by the regulator with senior management, when many of these queries could have been answered immediately, because it is a matter of fact that there was a reporting of these matters and of exceptions to the board on a continuing basis.