Mr. John Hurley:

I know that. I have seen some of this in evidence, but that's ... I wasn't aware of that, to the best of my ... to the best of my memory. I had understood that sectoral guidelines had been in abeyance, primarily because of the growing up of the Basel framework and the different regulatory arrangements that were being applied, and that was ... that was ... that was my understanding, but I don't recall this actually coming up as an issue.