Mr. Patrick Neary:

That had nothing to do with banks. That particular ... that particular document, in the second half of 2007, was related to the collapse of a couple of conduits who were not regulated whatsoever by the regulator. But it happened, I think, in August, and I suppose the quietest month of the year and I think we were slow in our response, in our public response to dealing with the fall-out from those conduits. And, you know, it called in to question then ... there was a mix-up, well, were we responsible or not and you know, what did we supervise and what we didn't, and it was an unfortunate kind of a-----