Ms Mary O'Dea:

Yes, if you just bear with me for a moment, I just made a reminder of them here. So one of the things we did was we increased the reporting. We had reports on things but they were, unfortunately, not frequent enough for us, so we increased the periodic reporting in profitability, impairment provisioning, regulatory capital liquidity, lending and governance, and then we had a monthly report where we could analyse these. We also sat on ... some of the inspectors would sit in at board meetings or credit committee meetings so that we could see them operating in practice. One of the things, I think, that we had learned at that stage was that we had been overly focused on the process and not so much on the outcome. And that by actually sitting in at the board meetings you could see the outcome and we were very, very focused on credit and credit decisions at that particular time.