Mr. Cormac McCarthy:

Yes there was. That report was brought to the board and the audit committee. Just to explain, we had converted our systems earlier that year from Ulster Bank's old systems to Royal Bank of Scotland systems and it's a matter of record there were challenges after that in the mortgage area. So there was a significant amount of oversight and insight into that particular challenge and a lot of work was done, so that by the following year ... there's an internal audit report of December 2007 that indicates that all of the issues that were brought up in the 2006 report had been dealt with. So yes, there were issues. Yes, I spent, personally, a huge amount of management time appropriately, making sure that these were addressed and within 12 months or shorter, these matters had been fully addressed as the audit paper of that time shows and the subsequent meeting of the audit committee covered. I think that was a early 2008 audit committee of the group.