Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

Okay, if we could turn then to page 9 in the same document please. And you talked, Mr. Dobey, in your opening statement about the effective communications of risks between KPMG and AIB. And here we have, in relation to credit control and credit provisioning, an observation in the second paragraph on the left hand side, "During the course of our audit, we noticed 11 significant provisions raised in December 2004, nine of which were without the prior approval of the relevant credit committee." So, is that an example of you as auditors catching something that AIB itself weren't aware of?