Mr. Colm Kincaid:

That is a fair observation. I will not argue with it. I am describing our supervisory approach to, as the Deputy said, discharging the specific role that we have to discharge, which we look to do as robustly and forthrightly as we possibly can. I mentioned earlier the gap in respect of fraud more generally in terms of engagement by the technology companies into the process. The Deputy's observations on engaging with them around their systems and controls are fair.