Mr. John Moran:

I think a number of people have said that, right. I mean, I ... when I moved in to the Central Bank and would have been on the wholesale banking side, which was effectively the regulation of the IFSC, which is where I had been trying to, to ... and we went through a period during ... from 2010 to 2011, we identified maybe 20, 30, 40 different things we could change in terms of the way people were operating to actually come out the other side, you know, with a stronger regulatory system. I think, equally, the whole European system has changed and that has ... has made for much better sort of best practice sharing as well across the system.