Mr. Gerry Fitzpatrick:

No, I think ... I think the ... what it has taught us, I suppose, is that maybe that sensitivity analysis ... so that you're saying, okay, it is this point-in-time picture, and the reader needs to see that, the question then is the what ... so you want to get people measuring it to a consistent standard, bank to bank to bank, that maybe more focus ... and the newer standards have a little bit more focus on, well, maybe the "what if" piece, which is, okay, well ... which is trying to say, well, not so much what will happen, but if something happened, if we had a 1% movement in something, what cause that might have. So, that is where standards maybe currently are looking to push more on, and that may be somewhere that that will give it. But it still is ... you still have to work with ... you still have to be able to say, well, can I anticipate what's going to happen, and in terms of ... you never anticipate the unexpected, and I think there was a significant level of unexpected in the long-term deterioration in asset values.