Mr. Michael Buckley:

Sorry, Senator, I think I'm right in what I'm saying subject to correction. The first thing you mentioned was about centralising our mortgage decision-making processing out of the branches and that was done. And I think that was a good decision and it meant that there was consistency in decision-making and in dealing with any exceptional situation. The second thing ... the audit report from my recollection over the last two months of reading thousands of pages is an audit report which is talking about our work-out teams managing loans ... commercial loans that had gone bad.

So the two things are actually not connected, if I may say so, in the way that you're connecting them.