Mr. Richie Boucher:

I'm not conscious that they did, but I also ... you know, I didn't have .... I had surprisingly little interaction with the regulator despite my roles over four years in the jobs I was in, which is very different now. As recently as last week, I'd a three-hour meeting with the regulators. But I would say that ... I'm conscious that colleagues did seek engagement with the regulator saying that this is a dangerous market practice. But like I've also said, if we absolutely, absolutely felt it was so bad, we could have decided not to.