Mr. Mario Nava:

The important thing is the "fully loaded" concept under Basel III. It refers to the requirements that will exist in 2018. Forget the regulators: the market today, and the numbers in the banks, ask that all banks live under the so-called fully loaded requirements. I take that as a recognition of the fact that the regulatory reform we put into law has been welcomed by the market. I am sorry to have taken so long.