Mr. Gerry Fitzpatrick:

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I take that point. So certainly my concern ... obviously is to make sure things were on the books and therefore properly recorded. I think ... I mean this is an example of one of the elements ... one of the small elements ... the hundreds of steps that were involved in the review of mortgage processes. So this is just one of many ... I mean ... I don't ... I think it highlights how we were looking at the depth of understanding. What isn't clear here in relation to that piece is, was, there were other entry level controls we call it, which were higher level reviews, so this was a particular step-through working on this particular element. But there were other controls that aren't referred to in that memo. So I was concerned and obviously when we identify an issue like that our concern is to talk to those who had raised them previously in terms of self-identifying -----