Mr. Patrick Neary:

No, not affecting certain institutions. Most of the representation that would have come, would be by way, I think, of observations and discussions at the industry panel, which was the statutory consultative panel that was set up to represent the views of industry towards the regulator and they met, I think, every month and represented a broad spectrum ... I think it was every month, anyway, and represented the broad spectrum of interests and I had fairly regular meetings with the chairman of that. And they did comment extensively on the work of the regulator and they did, you know, set out certain areas where they would have expected the regulator to act