*  *  *  Ladies and gentlemen, I was once travelling in an intercity train which had a little vase with flowers in the Restaurant car. The flowers looked a bit withered already. When the waiter was made aware of this he said: But yesterday the flowers were still ok! The story reminds me of our debates on SEPA.
In recent times, our focus on 'root cause' has led us to mandate certain housekeeping hygiene such as automated identification of non-performing loans and provisioning, proper checks and balances in the use of Internal and Office accounts, implementation of Early Warning Systems (EWS) for preventing frauds and a host of IT and cybersecurity related controls, among others. 16.