Mr. Jeremy Masding:

Within what I can control, we make decisions. The last time I appeared before the committee, we had a macroeconomic debate about the banking system and I think we agreed that that was probably not within my control and that should the rules of the game change at a system level, many of the discussions would move to a different place. I retain my answer from the first time I was before the committee. I make decisions within that which I can control.