Mr. Dargan Fitzgerald:

Just, I don't think I can answer the question in quite those terms. There's a degree of iteration between a company being audited and its auditors in terms of whether the auditors are satisfied with the provision.

I must say, in times of increasing uncertainty, there's an element of ... an increasing element of judgment in terms of settling on the final provision amount. I mean, we would have, as management was, encouraging of ... of taking a particularly careful review of all the provisioning inputs in arriving at the final figure.