By the way, there are many things that will not happen. Suppose I need a surgeon. What I do is I call my sister who is a doctor, and she calls her friends to find a doctor.
In this particular case, when things are very idiosyncratic and the level of trust is extremely important, openness is achieved by word of mouth, relationships, or you, trusting somebody to refer you to somebody properly. 2/4  BIS - Central bankers' speeches  Therefore, we cannot avoid these issues. Are we ready? An even more important question [is]: Is the regulator ready?