Mr. John Hurley:

No, because ... I mean, there is a reality ... this is the reality, the reality of the markets. But I do believe in designing systems going forward ... I mean, and it is the balance between principles and rules ... that balance has to be struck, it has to be struck properly ... and, we will always face a particular moment in time when there will be a cry that the rules are now too hard again and we need to soften the rules. But it seems to me that this is an area that constantly needs to be looked at to get the balance right. And we know that the balance wasn’t right.