Mr. Patrick Neary:

I'd like to thank you, Chairman. And I suppose it gave an opportunity to me, I suppose, to put the regulatory complexion on your discussions and I hope you've found it helpful. And, you know, it is clear that the system of regulation that we endeavoured to oversee was, was ... did fail. And I regret that very deeply, Chairman.

So, other than that, I'd just like to thank you for the courtesy you showed me here today and to wish you well with the rest of your work.