Mr. Dargan Fitzgerald:

I think the short answer is "No" and if I just explain, that's because in the course of our work, we were not ourselves coming across any of the exceptions in the way in which, I think, your comments are referring to the Financial Regulator's comments. We may not have been testing for what in testing terms we call "that attribute" in our testing. We would have been, perhaps, concerned with the set-up of the loan, the overall approval of the loan and that particular aspect may not have, as I mentioned previously, been a particular item for which we were testing at that time or in that case. And, as a general matter, and as you can see in the core documents that are before the committee, while we brought various matters to the attention of the audit committee, which we found during our audits, of a control compliance nature or of financial reporting or judgmental nature, credit exceptions were not one of those which we came across and, therefore, they did not fall to be reported.