Ms Anne O'Leary:

It has changed in that there are more committees and we are getting reviews from the different committees, which are brought up at the board. One of the things that is important is the ARC. It says that the audit and risk committee should meet four times a year. I absolutely did that. In 2020, it was seven; in 2021, it was eight; in 2022, it was nine; and in 2023, it was 15 because of the crisis. Typically, we were reacting to either an internal audit report that happened to have gone well. There certainly was a great deal of work on the audit and risk. I thoroughly enjoyed it but, when I look back, I should have, with the remuneration committee, said to the chair, "Look, we are not meeting often enough."

I take my guilt on that side.