Mr. John McDonnell:

What it is is it's a minute from a risk committee documenting the risk that exists as a result of the bank's lending strategy. What we have to do is audit the balance sheet that arose as a result of the strategy. So the balance sheet is there, we audit the transactions and we audit the transactions in the context of whether they've been properly measured and recognised in the balance sheet. So we are always looking in the context of an impaired loss calculation.