Mr. Richie Boucher:

I think we recognised what we would ... recognise at that time, in the United States, in Belgium, in Holland, in France, and in particular in the UK which is the most contiguous market to us and where the capital markets look most closely, there had been a significant change in the market's perception of the level of capital needed in the bank. That, you know, banks just needed more capital, whether there was an absolute ratio but there was an absolute recognition you need more capital.