Mr. David Duffy:

Yes, there is a joint supervisory team, comprising of the SSM representative, that is the single supervisory mechanism in the ECB model, and then the national competent authority, as it would be referred to, which is our current regulator. All issues are reviewed jointly and those issues involve capital decisions. They involve the approval of my replacement. The meetings, typically, are monthly. I have one next week. They are, typically, quite extensive. They have a very large on-site presence, with frequent forensic reviews of different topics which they schedule throughout the year. So it is a very very intrusive and intense engagement.