Mr. Brian Patterson:

It's not a word I'd like to use but I know where you're coming from. I think that they're ... I've said ... I've said that the financial stability report, with hindsight, is an inappropriate vehicle for communicating issues around the banking system and that's why it's been stopped. And I think that the people, including myself, who were responsible for signing off the financial stability reports, particularly in the years 2006, 2007, were in a real bind as to what you could say and what you could not say. And as I said, paradoxically, the higher the level of risk, the more constrained you have to be, it kind of works in this way. So from that point of view, they're not an appropriate vehicle for doing that. The issue is whether or not those who could take action did take action and the answer is they didn't.