Mr. Pat Farrell:

Well, first of all, I actually don't recall that I would've been at those meetings because they would have been convened by our prudential director. But in so far as ... they were ... I have any recollection of what the content would have been it would have been around, as I said, things like the original one which was pandemics and the potential impact of them. And it was very real at the time. It may seem funny at this vantage point but it was very real issue at the time. And cyber-crime risk was also another very real issue. But going back again to the mandate that I had and to the position of the banks when it came to issues that were directly relevant to their own business models and their own operations, banks were not in the business of sharing that kind of information around the table.