John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

Thank you, Chairman. You've caught me by surprise there. Gentlemen, I've a general question at the start about risk assessment and maybe it's more appropriate for Mr. Dobey, but feel free to answer, Mr. O'Rourke, if you wish. With regards to the preparation of the firm's annual audit plan, and the risk assessment underpinning it, did the risk assessment approach adopted change to meet the prevailing, challenging environment in the period which we're discussing and if you can maybe outline if it did change and how it did change? And, furthermore, did the firm conduct their own independent assessment of the bank's credit risk methodology to satisfy themselves that the principles and processes adopted by AIB were appropriate?