Mr. Patrick Neary:

Well, every single crisis has different characteristics and certainly the growth in credit, a phenomenal growth in credit, is one. And that is why I think it's important to oversee the risk control environment in the banks and to keep a very close eye on impairments and we were doing that. But it was ... it is clear now, and I accept the argument, that that was not intrusive enough and that we should have taken more steps. And, as we discussed this morning in relation to the concentration ratio, we should have taken more steps to halt the progress of that loan growth.