Dr. Graham Love:

Taking the last question first, in the past two years in particular we have implemented much tighter control and oversight of the institutions, possibly on foot of some of the examples we discussed here today. I hope we are a self-learning organisation and system, but we would have a much tighter account of the facts and oversight of the range of investments, the manner in which they are controlled and accounted for and who is accountable for them, even some of the issues mentioned earlier around research, companies and so on. I believe there is much tighter control of that. Notwithstanding our comment, things can radiate out and there can be an expectation of that but the Waterford one we discussed earlier was a very particular example-----