Mr. John McDonnell:

The risk would take into account the impact of what the bank has done on its loan book, its loan stock, and its loan provisions. And we would consider that in the context of how the bank goes about determining its provisioning and in the context of the audit procedures we need to adopt to audit that provisioning. That's where it begins and ends. We're concentrated on what has happened in the past, we're concentrated on how that is reflected in the financial statements and we're concentrated on the risk that it may not be properly reflected in the financial statements. And that's what we do. It is ... you know, business model, sustainability, capital adequacy - all that is a matter for management and a matter for the regulator in the context of their work on safety and soundness. Our work is to give an audit opinion in accordance with the rules on which we are guided by.