Mr. David Begg:

Well, yes, there were contrarian views expressed certainly in relation to it. There were a number of board members who had different views and I had different views at times myself, which I've, sort of, said earlier on. But the nature of this was that the financial stability reports were prepared by a ... initially prepared by the Central Bank economist, agreed with the executive people at the level of the regulator, at a, sort of, an interaction, a board established for that purpose, and, after a process of iteration, came to the main board for discussion. The way the main board worked, discussions were held, they were robust discussions, by and large, and then those views were taken on board and fed back into the process again, and finally the report came out. But it didn't, you know what I mean, it didn't go back and forwards to the board, if you know what I mean. It was left with the Governor and the ... well, the Governor, principally, to bring forward the final report.