Mr. Con Horan:

Well, by two thousand ... by 2008 we obviously had experienced the crisis and, you know, there was ... clearly the information you needed at hand when matters started to evolve was not sufficient. There was clearly a lot of work needed to be done to gather information. But I would say that's pretty consistent across the board and was a feature in an awful lot of jurisdictions - that the information you needed immediately was not at hand.