Mr. Kevin Cardiff:

I don't recall ... well, we would not have been getting those reports. We were not getting ... except what was in the financial stability reports themselves, we would not have been getting data on sectoral lending risks. My assumption was, as I told you, because I had seen previous board papers and so forth, was that the systems that had been there in the past for checking on those things were still there, especially since the ... I think they call them now the supervisory directive is the capital requirements directives and so forth that came afterwards, made various sectoral limits and the like compulsory. And we would hear, from time to time, and we would be informed of particular initiatives that would be taken actually that were sort of reassuring. So, you would hear, as we did, that, for example, they were concerned about additional property lending so they had changed the capital rules, or they were making a change in capital rules to deal with housing lending and so forth and it had the picture ... it gave you sort of a picture of quite an active and interested regulator.