Mr. Michael Walsh:

But you've got to be careful in the context of, you know, were these material issues or were they actually normal issues. You know, I think you've heard from every single institution that there were what I would describe as, kind of, "back-office problems" from time to time. Now, you know, should they have occurred? Absolutely no they shouldn't have occurred, but if you go to Project Harmony, Project Harmony which, you know, was there to actually do a detailed review of the society for the purpose of a sale, you know, it identified in that, I think, one loan which actually hadn't been approved. Now, I have no idea what actually happened between the time that KPMG were doing Project Harmony and where we are today because, you know, there are two almost unrecognisable institutions.