Mr. Brian Patterson:

Well, I can just say two things very quickly, Chairman, I won't detain you. No, there's been ... there's been a lot of discussion about the responsibility of the Central Bank, the responsibility of the regulator, and to me you can parse it and ... and look at the legalities and the structure and everything, but the reality is both organisations shared the same building, they shared the same services, they had common employer, they were committed to working together, so that's not the issue. The issue is, how was it that they collectively failed to act sufficiently? That's the issue. And the last thing I'd like to say is, in trying to shed light on why I think the system failed, I don't want to create any impression that I'm evading my own responsibility, because I've fessed up to that, and I still regret it and I will regret it all the days of my life.