Mr. Cyril Roux:

We have set up and, you know, I think credit ... credit to Governor Honohan and Matthew Elderfield, we have set up a number of internal arenas where we ... we have the opportunity for people to speak up. It's very important that people speak up and say what they think and have, you know ... have the different opinions. So I think in the present system we have put in place risk governance panels for institutions are medium, high or both. We have risk governance panels and it's not just the team supervising them that is present and discuss, but you have people coming from other part of the ... of the house ... of the bank and they can read independently and they say, "Well, this is not what I think you know, I have read the evidence, I know the bank less than you do but it seems that you are missing this or that", and so these are a very good place to have frank exchange of views and it's valued to be contrarian. So that's for the banks themselves. And then we have other, you know, we have other committee meetings and we foster this ... this exchange, we do.