Mr. John Dunne:

There was some training, I think ... we ... in the sense that there were series of experts. But once the ... remember, I didn't join the board until the new organisation was set up. So I was joining both boards. I can't recall any specific issues relating to the bank. But in so far as the regulator was concerned, various experts were brought in. Normally we would ... they would come in in the evening time and they would speak to their speciality and we'd have questions and answers and so forth. So in that sense, there was some training. But I think Mr. Patterson, when he was before you, indicated that he felt there should have been a lot more and I would agree with that analysis.