Mr. Richie Boucher:

Where there's been internal audits and that, I am not conscious ... that from time to time we refer specific cases, as we are required to do, if we suspect money laundering or if we suspect there has been a fraud either within the bank or outside the bank. We refer ... we bring our investigation to ... first of all, we ... our practice is if we suspect a fraud or if we suspect money laundering, we are required to advise the authorities, we are required to advise people and from time to time we have provided all of our internal documentation. I am conscious of that.