Mr. Nick Ashmore:

We make sure there is no conflict of interest at every point where we engage with an auditor. That is a check that every auditor would do before it takes on an assignment.

We use the auditors in the due diligence for on-lenders for what we call confirmatory due diligence, so we send them in to check that everything we have been told by that institution is true. They go in, check, dot all the i's, cross all the t's and make sure that what they are telling us is the reality.