*  *  *  Let me thank the Trinidad and Tobago Chapter of the Institute of Internal Auditors for their invitation to address you on the occasion of your 19th Anniversary. I am delighted for the opportunity, though the invitation reminded me that life is so full of contradictions.
I must confess that for the five years I have been at the Central Bank I have had more of my fair share of run-ins with my auditors – both with my internal and external auditors.