Mr. Patrick Neary:

I ... I ... yes, I wouldn't disagree with that at the time that the resources in banking supervision were extremely thinly spread. And I think ... and, you know, I think that was why, I think, the authority, you know, was of the view that okay, park the administrative sanctions for the moment - the banking supervision on the prudential side - and let the ongoing relationships deal with that and let banking supervision concentrate on the implementation of Basel, which was a huge project. I can't ... I couldn't overstate how big that project was at the time.