Mr. John Dunne:

Well, I agree with what David has said. I'd also add that in the context of the decision by the regulator to increase the capital limits in 2006, that had to be a joint decision because that had impact for financial stability and, under the rules, that had to be signed off by the Governor of the Central Bank as well, and that happened. So, you know, once the regulator was going to take decisions which impacted on any ... in any way on financial stability issues, then it became a joint matter.