Mr. Andrews: If I could take a stab at answering that question as well, I won't give you a specific ranking, but I will say that, if you look at some of the things as they relate to the capital rules that OSFI had in place before the crisis, the engagement that they had with the boards in the banks prior to the crisis, the mandate that OSFI had, all of those things that OSFI did prior to the crisis — and Mr. Elgar talked about the use of horizontal reviews as well — those were all practices OSFI had in place before the crisis.
M. Andrews : J'aimerais moi aussi exposer mon point de vue sur cette question. Je ne vais pas donner de note, mais je peux vous dire que le BSIF avait mis en place avant la crise des règles de fonds propres, il avait pris un engagement avec les conseils d'administration des banques, il avait un mandat — et M. Elgar a mentionné par ailleurs le recours aux examens horizontaux — le BSIF avait mis en place toutes ces pratiques avant la crise.