Mr. Patrick Neary:

Well, that's ... I think the main benefit is that it kind of identified through ... it's a kind of a process of trial and error, Chairman, that it identified areas that needed to be examined and followed up ... like ... and I've just given you a couple of examples that just come to mind. Like, the deposit protection guarantee scheme would have been one of them, the availability of proper titled collateral, things like that. Those were the kind of issues that cropped up, Chairman, from my recollection. It's a long time ago now since we had that, so ... that's as I recall it.