Mr. David Duffy:

So, in your specific question, I won't comment on Goldman Sachs's, or any firm's involvement in a crisis or not a crisis, I would answer the question in specific terms around "Was my time at Goldman Sachs beneficial to my banking experience when applied in the future?" At the time it was a private partnership and it was ... in any circumstance if it had a loss, it was a loss of its own account, and the culture was obsessive about the customer and obsessive about the quality of your execution and I learnt a lot of good things at the time. That has nothing to do with whether they did or didn't do anything subsequently in markets when they were no longer a private partnership. But, my experience there was quite formative and instructive and quite helpful in future days.