Mr. Dargan Fitzgerald:

Well, I just, I suppose, want to just nuance my answer slightly. We may have ... as we picked individual transactions or balances on a sample basis, we may have come across exceptions to credit policy if we were looking to see the approval history of a particular loan. However, it may not have been central to our audit assessment of whether it was reported financially correctly as to whether the ... it had been an exception or not. That would be more internal to the society and would be less relevant for the external financial reporting.