Mr. Pat McArdle:

I'll take this since I have the mic. Yes, that probably is a correct categorisation in the sense that my job was external so about 70% of my time was spent doing things outside of the bank altogether. To the extent that I interacted in the bank, I provided for the ... you know ... copious briefings of various ... organise ... various committees and even the board, and occasional inputs into some medium-term planning, for which I used mainly the ESRI forecasts, right. So, I wasn't involved in determining the bank's strategy. I wasn't at that level, and I ... you know, it wouldn't really have ... seen it as my function.