Mr. Paul Dobey:

Yes. As you know, when regulators do a review, they would have findings. The findings in relation to our audits, as CARB had said, were not material. There was a couple of matters in relation to documentation ... there was, specifically, we had a consultation in the firm in February ... sorry, in January 2009 in relation to the going concern basis of preparation and that involved the partner I mentioned earlier from the UK firm, myself, Terence and our risk management partner. I prepared a detailed agenda for that meeting with some actions suggested which we subsequently took. I think CARB would prefer it if we documented that better; I think the actions were clear. We also communicated with the regulator in writing and it's in the pack on 29 April.

Given the matters raised ... our concerns in relation to going concern and liquidity, we engaged with the Financial Regulator and had meetings with them - that I mentioned during my opening statement - in February. I think CARB would have preferred if that ... the letter that we sent on 29 April had gone in earlier and there were some other minor documentation matters but nothing of substance.