Ms Mary Burke:

I'm not sure how many red flags makes it too many red flags, but certainly for two banks in particular we felt ... or two institutions rather, it was very serious, I think. Less so for the others. I'm not conscious that we did see obviously that if you have contagion in one it could spread. As I say, I haven't read that document, Deputy, in quite a number of years, so that's more my instinctive reaction.