Mr. David Begg:

I'll answer both, anyway. Well, as far as I know but, I mean, to be fair sure I wasn't an auditor myself, you know. And, you know, the other people ... I don't think we had any actually ... had any accountant on it as such. But we had a strong internal audit division which had about ten people as well as the head of audit. The biggest problem we tended to find there - and it links into earlier questions relating to the regulator that John mentioned - was that systems are extremely important in the Central Bank structure and the IT dimension of that was very, very critical. It was extremely hard, in a tight labour market situation, to recruit people of a high calibre - sufficiently high - to work in that particular area and there was always this concern, even from internal audit, of a slight deficit, you know, that you were never quite caught up with the ideal situation. But, at the same time, it was a strong function ... I'd say stronger than in most enterprises.