Mr. Jeremy Masding:

There was a report commissioned. As the Deputy and I discussed back in 2016, I think, and based on those facts, we advised the committee, including the Deputy, that as far as we could tell this was not a deliberate action. It was the absence of control within the bank. The control we should have had was to warn customers of the potential consequences. There was no deliberate decision that we have been able to identify. I am afraid that because the bank remains subject to enforcement action, I am constrained on making any further comments. I can look him in the eye and assure him that there was an internal report.