Mr. Dargan Fitzgerald:

Well, just, I'll make the general observation that I'm quite certain that in my own professional career, spanning over 30 years, they were unprecedented conditions.

And I think, as ... between Paul Smith and I, we mentioned in our opening statements ... I mean, one cannot underestimate the adverse financial effects throughout all of society, and that was one of the reasons that in the institute working group that I mentioned, we were so concerned to make some public statements that would, hopefully, contribute to an improved environment for external auditing, because of some of the issues that you raise in terms of the usefulness of the external audit. But in summary, and to answer your question, I absolutely feel that the financial crisis was almost overwhelming.