Mr. Kevin Cardiff:

Without, thankfully at this stage, without much ... like the central banks are always really jealous of information but once we got in the one room we didn't have that problem, so there were reflections of that and the thinking that came out of that. It wasn't a nugatory exercise, it was useful, it taught us some lessons but it didn't teach us to deal with the major meltdown because, quite honestly, at ... in December '07, we were expecting to prepare for a bank or two in trouble on foot of, you know, changes in the general situation.