Mr. Matthew Elderfield:

It has improved considerably. We now have a mix of experienced supervisors who have done supervision for a while. They are people who have come from industry, some of whom are from overseas, while others are home-grown, as it were. We need to keep investing in training and improving technical training. There are some very complicated, technical aspects of what we do, for example, stress testing for the banks, looking at loan loss forecast models and actuarial assessments on the insurance side to ensure the reserve levels of the firms are adequate. Holding on to one's most skilled staff is a constant battle and struggle. Obviously, the difficult pay environment is a challenge in this regard. We need to keep an eye on that and maintain investment. One should never say: "We are there, it is done and we are in a happy place." One must keep working at it.