Mr. Tom O'Connell:

Yes, well, in essence I'm saying that the editorial in the financial stability report ... I mean, they would have had a day-long consideration of the body of the report - all the details, data and so on - and they would form their views and that would be embodied in the editorial, sort of. So, I always felt there was a potential disconnect, if you like, between the body of the report, the technical analysis and the overview.