Mr. Gerry Fitzpatrick:

I think I may have ... So my concerns were in terms of that there could be risk of misstatement in the accounts. So they weren't concerns that they were inappropriate. My concerns were to make sure that they were being governed correctly. So concerns where, in the audit process, you're saying, "Here is a process; it has exceptions to it; should those exceptions apply? And if they are, who governs that process and who signs off on those exceptions?" To understand if they're properly ... they're properly governed. But they weren't concerns, Senator, that these were ... that these weren't acceptable exceptions. The question was who was, you know, in an escalation process where if someone gets authority to do something, if they need to do something above their authority that somebody else has the underwriting capability to do that, and therefore the exceptions have to be reported to a higher level, and that was where my concerns ... So my concerns weren't about impropriety, Senator.