Mr. Alan Gray:

No, Chairman, just to thank members for their impartiality and their courtesy.

I was going to say, Chairman, when you were asking me that question, that I hope the committee will consider some of the gaps that currently exist, which are ... need to be addressed to potentially prevent another crisis. And I haven't had an opportunity at this session to outline the details of what I think would ... are those gaps in detail, other than the short ideas I have outlined. And if the committee would find it useful to have some subsequent written views from me on those, I would be willing to do that.