Mr. Brian Cowen:

I believe so. I don't believe ... I mean that's the way it was supposed to work; you dealt with ... you know, you've something that needed just an administrative sanction within an individual institution, that would presumably stay within the regulator's office, but if there was something where there was a major problem that was going to have some, sort of, systemic ... you'd be picking up the phone saying, "Governor, this has come to our attention, it may have wider stability-----"