Mr. Tony O'Brien:

I think I already said in my first response to the Deputy's questions that the recommendations do have national implications. There is a difference between whether things were done incorrectly in the past and whether they can be done better in the future. The focus of internal audit reports is to discern what lessons might be generalisable, as in systemic, and, as I mentioned earlier, these will be, and have been, fed into the work of our national compliance office to ensure that we further strengthen our relationship with entities.

With respect, it is a different thing. We are talking about learnings, as the Chairman asked us earlier about learnings. Learnings are not necessarily the result of failings; they are learnings.