Mr. John Dunne:

-----in this sense, but it's not surprising. You know, the most concrete action taken was the introduction of increased capital requirements in 2006. That was a regulatory action. It proved to be inadequate subsequently. But the fact of the matter is that, you know, that was a concrete action taken by the regulator. But I have to stress, Chairman, that I'm not in the business of trying to push blame from one side to the other side. I was a member of both bodies, so I had responsibility in both.