Mr. Pat Farrell:

The panel was set up by, I think it was by statute, as part of the legislation that underpinned the Central Bank structure and I think in my witness statement, I mean I ... We were advisory. We could only advise; that was our role. We were, particularly I think, mandated to comment on the budget of the regulator, to ... from time to time, we were asked to comment on maybe particular initiatives that they were planning, regulatory initiatives or otherwise. And I think I outlined ... I don't want to use up the time by repeating but I think I gave a list there in the witness statement of the, kind of, things that we commented on during the time. It was, kind of, a synopsis of the kind of issues that were occupying our attention during the time that I served on the panel.