Mr. Con Horan:

I believe there was clarity. I think I ... it was one of the first points I tried to address in my opening statement. I think the memorandum of understanding, if I recall correctly, the headings on it were the Central Bank had responsibility for financial stability. And the Financial Regulator heading is the Financial Regulator's contribution to financial stability. So the Central Bank was in lead on financial stability issues, and the Financial Regulator fed into that via the information it had from individual institutions.