Ms Mary O'Dea:

No, to be honest with you, Deputy, when I took on the role, I took on the role for three months. We were in absolute crisis mode. We certainly weren't revising rules at that stage. We were at that stage making sure that we could stabilise the situation and stabilise the situation in a way that we could understand what the problems were and feed into the system. So ... so I wouldn't like you to think that we were sitting back and inventing a new-----