Mr. Michael Walsh:

I think, you know ... which is exactly why the society was very focused in terms of ... you know, when I say the society, the non-executive directors were very focused on internal audit because the internal audit programme actually gave us a chance to get into, you know, the detail of what was actually happening in some of the areas. There was clearly unacceptable behaviour in some areas and, you know, in each occasion that was identified remedies were actually put in place. So, you know, from a non-executive point of view, what you actually do is you go out there, you try to identify where are the problems, where are the issues, where are the risks-----