Mr. Pat Farrell:

No. I mean, I know this is ... it bears repetition though. Our job was to represent the banks collectively on issues that we could establish a collective and common position. And you can deduce from that that a lot of issues then, particularly when they're referred to individual banks or referred to individual banks' business models and the like, fell outside of our ambit. And that's not unusual. That would be the same in any other representative body. Members will come together when it's in their interests to advocate a particular postilion, but when it comes to their own individual business and the way they operate their businesses, they will play their cards very close to their chest because, that's business intelligence, and they're not going to share that information with somebody else.