Mr. Brian Patterson:

I think I've touched on this before. The members of the authority, and there are some executives there in that group photograph again, it did have people who had experience of the financial services industry. We'd a banker, we'd a chief executive of an insurance company, we had one individual, I think he had retired by then actually, who had deep knowledge of financial markets, so there was a level of understanding about financial servicesper se, yes? What was missing, other than in the executive, was experience of financial regulation, and what was also missing was an international perspective.