Ms Fidelma Clarke:

I think Dargan Fitzgerald appeared in front of the committee and commented that, in his opinion, their control environment was reasonable, certainly for the time that he was the auditor. And as I mentioned earlier, had the society's controls been very poor, I believe it would have been picked up by internal audit, by external audit and also by the external firms that came in to evaluate the bank's adherence to its own policies and procedures.