Mr. Mario Nava:

There are some countries which - when implementing, but especially when supervising, even in the absence of precise guidance for supervision - went for more intrusive practices. When it comes to supervision - I am really simplifying this to give the Deputy the idea - there are two types. One is a more intrusive type of supervision, with supervisors physically in the bank, going residential, checking the numbers. In other countries they had softer supervision and less day-by-day supervision. These were two schools. I am simplifying because there are intermediate positions. For clarity, these were two schools of supervision that we saw progressing in Europe in different countries. Maybe that is one of the reasons we recently came up with more guidance for what supervisors can and should do in particular circumstances.