Mr. Richie Boucher:

So, you know, I can't exactly say what everyone else felt, but that was my impression. But, clearly, the level of information, the understanding of risk, the management of information, and not just at board level, let me be straight about this, Chairman, but also within a management team, that we have an understanding of the correlation of risk, the influence of liquidity and capital and that, did we have the understanding then that we have now? No. Do we have a process now to provide that information? Yes.