Mr. John Corrigan:

We have. The model that we adhere to in awarding and exercising that transition management arrangement was the industry standard. What we have done, partly as a result of initiatives taken by ourselves in light of this and partly as a result of the recommendations made by the Comptroller and Auditor General, is to effectively change the model. Other institutions have moved in the same direction after us, so that there is complete openness around the transition managers' dealings with third parties. The problem here was that the standard business model in doing these types of transaction was masked and it was not obvious.