Ms Mary O'Dea:

This would have been a theme. This would have been, certainly in the later years ... but I think there would have been a bit of a theme maybe for the last four or five years where the committee would ... wanted to be assured that we were taking all efficiencies in terms of IT and shared services. We shared some services with the Central Bank and the committee wanted to make sure that there wasn't any duplication. That was one issue. And, in fact, I think the reason that the committee thought it was a good idea to commission Mazars was precisely to get to the bottom of that and see were there efficiencies that could be gained.