Mr. Justice John Hedigan:

I have warned them. There has been no booing or clapping. I am sure they will behave themselves. The IBCB is a small group and I expect it to remain a small organisation. One of the ways I want us to proceed is to be able to use the resources of the banking members of our board to press forward with our various working groups. We are already doing that. We have three working groups and another coming on Thursday.