Mr. Gerry Fitzpatrick:

It certainly would be an obligation on me to be aware of those situations so I think as was recalled I think in the book as well were issues like the Dublin mortgage centre or exception reporting. So in something like a process system like a centre which is going through an integration as having challenges in terms of operational efficiency, it would be absolutely critical that I would understand that. That would arise initially from my understanding of how that was being reported at the board level, but also from on the ground visits that we might have to understand elements of the controlled environment. We met with internal audit and obviously attended audit committees and understood the reports they were presenting so in that case of, of something like a mortgage centre we were fully aware of the risks that we were ... that were arisen in that situation.