Mr. Richie Boucher:

I think we believed it was. That is a belief statement rather than a factual statement. We believed it was but if I look at what we do now and what we did then, as I gave in my answer to Deputy Phelan, there is a much higher level of embedded reporting on exceptions, reporting on the reasons for exceptions, gathering those together across the group. So it is a much more embedded, much more forensic process now than it was then.