Mr. John Stanley Purcell:

In 2004 we arranged with KPMG to commission a report on the effectiveness of our internal audit. We were conscious that work had to be done. We had a new acting internal auditor and we were conscious that we needed to review that area, and we asked KPMG to produce a report and to work with us. And KPMG produced that report. As a result of it, there was ... they were involved in mentoring the internal auditor. They also conducted workshops with the internal audit committee and the ... we would have increased the staffing level, we would've increased training internal audit and we would've purchased systems for them. In addition to that, we brought in Deloitte to do a number of audits there - treasury, IT and commercial lending. So we were working, during that time, to bring internal audit to a higher level.