Mr. Cormac McCarthy:

That's ... no, Senator, that's ... as regards the internal audit report, if that's what you're reading from, that's correct, and we absolutely had issues after that. We self ... we self-raised them, the regulator was aware of them, we took significant steps with Royal Bank of Scotland to fix them, and by the end of 2007 they were fixed, in fact they were fixed largely early. So, yes, we had issues, I regret that it happened, but we self-assessed them, we told everybody who needed to be told about them, and we fixed them.