Mr. Dargan Fitzgerald:

Well, I think I can respond by just making a general comment in terms of the application of that accounting standard and the incurred loss model. The incurred loss model continues to be employed in the financial reporting of banks currently. I'm sure you're aware that under a coming accounting standard, but not yet implemented, what's known as an expected loss model will be employed. It's probably overstating it to imagine that it would be a completely different regime, it will still depend on objective evidence to some extent and it remains to be seen what differences it actually causes in financial reporting.