A. Easier than expected all round (8%)

B. It was the tough challenge weexpected it to be (74%)

C. It was the nightmare that cametrue (18%)

A. Yes, but we don’t think we willbe that affected by the remaining main changes.

B. Yes, and we have adjusted resources and are planning ahead.

C. No, to be honest….we have yet to takereal stock of what is yet to beimplemented by new regulatory changes

A. Data (35%)

B. Time (49%)

C. Budget (15%)