Mr. Cyril Roux:

Well, I think I have, you know, described that, you know, in a sense, in banking supervision my work was to replace what he had put in place by the SSM. So it's not that it was not a good domestic framework and a good response. I think it was a, you know, a much-needed response and a much-needed improvement in the specialisation, in the organisation, in, you know, in framing banking supervision. So I think that it's ... it's fair to say that when I arrived, I had a much, much better banking supervision than when he arrived. But then I had to replace that by something else.