Mr. Kevin Cardiff:

But what we might have done ... I'm sorry to ... I know you've got a time pressure but what we might have done is had more skills for handling the crisis. Especially on the ... I know the economists are important but especially on the banking side, especially on the banking side. That is why we needed to rely so much on the NTMA. We didn't have in-house expertise. As the Chairman said, they handled ... they and the Central Bank handled our banking for us. We had to look to them immediately and even they then had to bring people in.