Mr. John Stanley Purcell:

-----that everything was loose. But, you know, when those recommendations were made, I mean, they were probably setting out best practice, having looked at a range of reports that it mentions in it. And some of the things they mention about conflicts of interests, I mean, we were handling those under terms of the Building Societies Act and our own rules. So some of the recommendations would involve maybe more documenting of what we were doing already, say, in areas like conflicts of interest.