Mr. Pat Farrell:

It's, kind of, hiding in plain sight, because, I mean, it's been referenced by almost every expert that's conducted an investigation into these events. I think it has been referenced by a number of the witnesses who were directly involved in regulation that, with the benefit of hindsight perhaps, there might have been more emphasis on the consumer conduct of the business side. That is the direction that was set. The people involved were merely working according to the mandate they were given, but that was the mandate, and I suppose, the old adage, we have to constantly remind ourselves about like, that the ultimate guarantor for the consumer is sound prudential regulation.