Mr. William Beausang:

I think that what could have helped and it reflects a recommendation that's in the Nyberg report, and finding in the Nyberg report, that nobody was joining up the dots in terms of the risks that were there. There were risks obviously more broadly and looking at economic developments. There was risks in the banks and macro ... you know, in macro-financial risks. The DSG, and if you look at the terms of reference for the DSG, part of its work was to try to draw together the analysis that the Department would have been doing on the one hand and the Central Bank might have been doing on the other, to seek to take stock of what, you know, contingency planning or what actions might be necessary to ensure that the economy was well positioned going forward.