Mr. Patrick Neary:

No, I'm just trying to explain what happened; I'm not trying to defend it or excuse it. Of course, when we had the ... the structure in place to put in the sanctions, of course they should have been ... they should have been put in. Now, the authority's view, though, was that there was a lot of merit in the ... continuing the ongoing arrangement and the contacts between the regulatory people and their counter-parties in the bank to deal with governance and compliance issues. That that was the right thing to do on the prudential side and that the focus of the administrative sanctions should be more towards compliance with the codified arrangements for consumer protection.