Mr. Liam O'Reilly:

Well, that was my last exercise, so I can't say what happened in the next one. But the idea behind it was that a principles-based regulator, with the level of staff that they had, wouldn't be able to cope with the demands that there would be around at the time of a crisis. And as a result of that there was a need to make sure that there were contingency plans in place to either get experts in, like, for instance, Merrill Lynch, or PwC, to make sure that we had people on stand-by, to be able to sit in banks who might be in trouble, and be there at the time of the crisis. And I think that that was the fundamental idea behind saying that you need more in the time of crisis in terms of staff.