Mr. Patrick Neary:

Oh, I think that would be ... that would be a very unfortunate conclusion, and I don't think I could agree with that. Because at the core of the ... of the ... of the authority was, you know, a very strong mission, and a very strong commitment to maintain the soundness of each individual institution in order to protect the depositors. I mean, that was our mandate. But, I mean, taking that as being in place and working, there was also then the idea, you know, that the ... I suppose the authority placed itself, unfortunately, I believe, in a situation where it could be viewed as a sort of a service provider rather than a detached, strong regulator, it ... this element, this element developed, I think-----