Mr. Brian Patterson:

My recollection, because we are going back a long way here, my recollection is that we had something like two afternoons of training, which was laid on by the Central Bank people themselves, in various aspects of prudential regulation. As the months and years went by, we often had special briefings by specialists within either the regulator or the Cental Bank on specific issues, like EU directives and things like that as well, outside the formal board meetings but with the benefit of hindsight it just wasn't enough.