Mr. John Moran:

I know, but every so often I have made comments and found that what was reported was not necessarily exactly what I said. We probably need to see the broader statement. From my perspective - that is the vantage point we are at - we do not see a systemic risk issue in terms of the stability of our banks. I do not know if Mario is talking about something that is broader in Europe from his perspective. I think there are threats to the system in Europe; they are well documented. Clearly, if there are major shocks in Europe they will have an impact on us.