Mr. Tony O'Brien:

If the Deputy or committee would like a detailed explanation of the specific actions in respect of each of these we have no difficulty in providing that but we were not asked for it in advance. I think the committee should take comfort from the fact that we have a well-developed internal audit function and a compliance function which address these issues. The reason we can tell the committee about these deficits and the reason they are being addressed and improved is precisely because we have a pro-active programme of audit.