 Some of the work I talked about dates back to before the crisis, I was getting an overview of it, and one of the key conclusions was once the interest rate become very low, the importance of communicating how you're going to conduct future policy. And so that's sort of some of the themes that I highlighted. And, you know, some of the central banks have done some of that since 2008, but perhaps not as much as I would have liked. In particular, they have not been too willing to allow inflation to accommodate somewhat higher inflation. And that was one of the themes I brought up. I think there's still debate over what actually was the source of the crisis that brought us to the very low interest rate we see today. So I'm sort of off the view that you can trace it to fundamental factors, but there was another presentation trying to explain it more as a coming from everybody just becoming very pessimistic at some point. So that's still a debate that hasn't quite been resolved.