Mr. Tom O'Connell:

Well, I suppose financial stability issues generally are more of an economic nature rather than a purely micro-regulatory nature but ... yes, prior to ... yes 2004, the regulatory people did have an economist or two whose ... part of his duties were to liaise with the financial stability department and have an input into the ... into the stability report. Subsequently, the financial stability department would be liaising with the regulator about information or data, that sort of thing, but they weren't really actively involved beyond that point, you know.