Mr. Gerry Fitzpatrick:

The ... I, I can't recall, Deputy, or, Senator. The issues in the Dublin mortgage centre were referred to in other minutes, were identified late 2006. A series of internal audit reports were addressed and, and any issues were closed down by the end of 2007 when the financial statements ... after which we had assigned our financial statements. So my understanding is the processes and weaknesses in mortgage centre were cleared and there was a substantial ... I can't remember the phrase internal audit used, for instance ... but that they were substantially addressed by the end of ... by an audit report in December, later in December or early January 2008.