Mr. Gerry Fitzpatrick:

Certainly it was an area that I needed to be aware of, and I certainly was aware of the process for exceptions, and therefore where you have ... I mean, any process that you have allows for exceptions, because the way it's written, and the ... what would concern me was that ... were those exceptions properly governed? There were times, I think, back in 2004, as highlighted by the regulator, enhanced governance by bringing it to the board was important, so I think that was a useful development. But I didn't have concerns that they were being made without the control environment or the four eyes principles that-----