Mr. John Stanley Purcell:

I believe ... and probably my belief was borne out by subsequent events ... I mean, we had a very detailed audit at the end of 2008 on the accounts.

We also ... we had a solvency certificate which involved a good bit of work, both legal and by accountancy. The review of impaired loans in early 2009 was extensive. It involved the provisioning committee a lot of time ... a lot of meetings. KPMG spent a lot of time with it. I think it even delayed the production of our accounts, there was so much work done on the area.