Mr. Brian Patterson:

I think there are ... there are two parts to this answer, Deputy, if I may. The first is that in relation to governance, organisation development, leadership, human resources, consumer stuff, yes, I had a lot of experience in those kind of areas. In relation to banking regulation and banking supervision, I had no experience. And when I was being asked to become the chairman, I pointed that out to the Minister. I was reassured at the time that consumer protection was going to be the majority of this job, and that prudential regulation was already in good hands through the executive and the Central Bank and that, therefore, I shouldn't worry too much about that.