Mr. Kevin Cardiff:

Okay. Well, I mean, the Department of Finance doesn't have ultimate responsibility, the Minister does, and there was strong political direction in relation to the shape of the regulator to the point that if I, as a relatively senior official, wanted to change the drafting of a few lines, it had to be cleared ... even relatively small amounts of technical change had to be cleared at a political level so, for example, I recall having to ring, having to telephone the ... you know, certain ministerial advisers to say, "We're ... we're thinking of changing this; is that all right?" So there was a lot of political ... not just input into the broad thread ... into the broad shape, which is the norm, but also into the ... into the technical detail, which is not.