Mr. David Begg:

Yes, I mean, I didn't think it was a good idea, quite frankly. I didn't see any particular reason for it. I think it was influenced by a strong emphasis on consumer concerns and in fairness, I suppose, it could be said that there was concerns about some of the things the banks had been doing consumer-wise in the 1990s. I think it was also influenced, though, by an international trend which was extremely liberal in its outlook and I think the Progressive Democrats were the party in power at the time who drove that initiative particularly. So, I didn't see it. I saw certain risks into it because it interdicted the line of sight between the banks' normal function for financial stability and, you know, the prudential situation as far as the banks were concerned and the rest is history, I suppose.