Ms Mary Burke:

We issued post-inspection letters to all of those institutions flagging them and flagging the issues both - there would have been individual issues within the institutions as well as the general broad themes across the institutions. It was also escalated both through the executive and to the authority and my recollection is the CEO report to the authority in early '08 flagged that there were issues across the system and one of the issues in particular that I recall was the issue of net worth statements and the extent to which they were validated by third parties. So it was escalated internally and the standard procedure for issuing letters to banks was followed.