Mr. Brian Patterson:

I don't ... I wouldn't go that far, Senator. You've heard Con Horan talking about 2005 and 2006 and his efforts in 2005 to get additional capital requirements, which eventually happened in 2006, and, in fairness to the authority, they were right behind that. There was no member of the authority saying we shouldn't be doing this and there were ... and I know there were some actions taken against bank X that we haven't talked about to try and deal with the governance problems there, including capital requirements. So ... there ... yes, there were actions taken ... it wasn't that people did nothing. I think the problem is it wasn't urgent enough and it wasn't enough.