Mr. Pat Farrell:

I think their impact was that we ... changed the skill sets with people to make sure that we had a proper diversification of the resources that we needed to cover all the bases that were important from a banking regulation point of view. That was one big thing. And I think the second big thing that we did post the crisis is that as ... in my own right and on behalf of the sector, I took a much more active public role in terms of trying to provide reassurance and communicate more strongly what banks were doing as a consequence of the crisis to try and support people who were in financial distress.