Mr. Richie Boucher:

Well, I think that, you know, there was a transition, where people moved from ... so I would say that the board members in September 2008 embraced very quickly an understanding of the ... of the issues and mistakes the bank had made, and were strong advocates for change. There is a greater diversification on our board in terms of experience levels and international experience. A lot of them have financial services ... we give a lot more ... management take a greater responsibility for what we call the education process. So our board members spend a lot of time understanding and getting presentations - outside of normal board meetings - on liquidity, capital, risk. And I think it's a major responsibility of management to ensure that the board members have sufficient knowledge to challenge and to have an input. We have a lot of financial services expertise on the board; I think that's appropriate. I sometimes wonder ... if you have too much financial service expertise and you don't have someone who's just kind of saying yes, like, that's all ... seems to make sense in your jargon, but doesn't make real sense, so I think you need that balance on a board.