Mr. Michael Torpey:

I certainly would not wish to throw the Financial Regulator or anybody else under the bus, because I think, you know, trying to blame anybody else is not part of what I would seek to do. I will observe, though, that the regulator had a certain approach to things, which was a very formal approach, and the regulator, in the way the regulator operated at that time, had a system whereby he made his observations, communicated in writing and, therefore, raised issues which might have been more rapidly and more easily defused had there been a different model of engagement directly with the business-----