Mr. Gerry Fitzpatrick:

I believe I wasn't silent in terms of ... but I think the point was in terms of what the scope is, so I was very vocal in terms of what I was looking at in terms of around the organisation, challenging people, so I think in terms of ensuring that the financial statements reflect what they show, I think, maybe I'll just take it personally, that silent observer was pointed at auditors, seem to be a unique heading pointed to the auditors. We were looking at presenting good financial information. I think the capital standing stability was not part of our role and I think he referred to that. So I think he referred us to doing our role, I think what is referred to earlier, there are some now enhancements in terms of talking to the Central Bank about not changing that role but adding a new role in terms of looking at governance and maybe that would allow more objective observation of the things he suggested.