Mr. John Hurley:

Well, I'm not going to comment on the implementation of this. This will be a matter for the financial regulatory people when they come here, but the fact of the matter is, we had round-table discussions with financial institutions at which the Financial Regulator was present. The Financial Regulator emphasised in those meetings, all of those meetings, that there had to be prudent lending and careful standards and proper risk-taking by banks. And this is recorded in round-table minutes. So, they were following this up at the time, and followed it up subsequently in 2005. And in your papers, you will see a very significant decision of the regulatory authority, in the very same document, where they took a view in the middle of 2005 in relation to proper lending by banks.