Mr. Patrick Neary:

Well, our job as regulator was to set the ... the ... the capital ratios, the liquidity ratios, and to monitor those, to monitor the activities of the banks, which we tried to do on a principles-led basis where our focus was on compliance with process and compliance with internal policies, and in that sense, if you like, in co-operation with their internal resources to ensure as best we could that the banks were managed properly.