Mr. Brian Patterson:

The ... we tried a number of things. We developed MOUs between the regulator and the IT unit. I think the chief executive, what's the word I'm looking for, assigned a particular responsibility to one of the senior executives to pay close attention to this and to have regular meetings with IT to see how things were going. So those things were attempts to try and speed things up and to move it more quickly but we were, nevertheless, a prisoner of the Central Bank's IT unit. We did not have the capability of the authority to go outside.