Mr. Fergal O'Leary:

Yes, we are. What I would also say is that this whole thing about how the issues came to light and what happened reflects several matters. One is the move away from voluntary regulation. The latter, as the committee knows, started in 2013. It was fine and helped the good AHBs to prepare for statutory regulation, but it is clear that it was not sufficient. It also reflects that we do not now just rely on information that is given to us; we test it.