Mr. Brian Patterson:

Let me say at the start that perhaps it's appropriate that a central bank and a regulator is a bit slow and, whatever word you want to use, because it does ... it is a public sector body; it does have serious responsibilities and it can't afford to cut corners or take risks and things like that. So let me get that on the record. But yes, I mean, I had worked in chairmanship roles in the public sector before, so I wasn't a complete novice, but the extent to which the Central Bank culture was as I described it did come as a little shock to me.