Ms Cathy Herbert:

Yes. I mean, all of the things that led up to the ... to the crisis, all of the ... the analysis subsequently of all of the factors that caused the crisis were of great concern for him and he set about ensuring that or bringing in ... reforming the structures to ensure that that wouldn't happen again. I mean, reform of the regulation was something that was taken on pretty much immediately and throughout his period right up until the end. One of the emergency pieces of legislation I think that was brought in was the credit institutions stability Bill, I think, or ... anyhow, that was to allow for the restructuring of the banking system.