Mr. David O'Callaghan:

I will have to start off with 2014. I have reported to the committee on this before. Caranua was set up hastily. The scope of its responsibilities and its remit were not fleshed out or specified in any shape or form. Events have shown that it did not have enough staff or computer systems. It had nothing. There was pressure on us to open for business. I accept that in 2014, 2015, and 2016, our controls were not up to specification. We have to accept responsibility for that. It is not the case that we ignored any of the comments of the Comptroller and Auditor General. We did the best we could. Our approach is that we have to be very flexible with survivors. They are a particular group and we accept-----