Mr. Patrick Neary:

I think it does. I ... I think we ... I ... I have to say that we had an opportunity with that sectoral concentration limit. Rather than letting it fall into abeyance and get into all this back-and-forth correspondence, we had an opportunity at least to look at that limit. Now, it seemed to have been unworkable in the way it was expressed and the way in which it was interpreted but we could have at least, I think, taken the opportunity to ... to visit upon that guideline and to see was there ways in which we could segregate some of the riskier sectors out and put a limit on that. We did not do that and that ... that ... I regret that.