Mr. David Duffy:

As a matter of just macroeconomics and war, you can never be absolute, but if you look at the more normalised expectations of all of us, everything we have done in the bank is to make sure that we are lending appropriately, that the risk associated with the lending is predominantly cash flow model driven, that the capital thresholds are the minimum regulatory plus a conservative buffer, and that our funding is long-term matched to our liabilities, not short term. So if you look at the primary influences, they are in a shape that I think will prevent a risk occurring again, and, on top of that, we stress as a board quite extremely, as does the SSM independently of our board, the asset changes in pricing. So I believe that all of those taken together will leave us in a relatively secure position, notwithstanding another crisis.