Mr. Patrick Neary:

Well, the capital is a function ... is a function of the risk assets. It's a mathematical calculation and also it's a function of the impaired loans and if you track back from 2008 back to 2002, you will find that there was practically a zero level of impairment. Now, I mean, the regulatory approach that's used and that was used during that period, it's a point ... it's a point-in-time approach, compared to a ... compared to an approach which is far more intrusive and is trying to look at economic values in the portfolio and that. Ours is an accounting approach and, the reality of it is, it takes account of the capital and the impairments which adjusts capital.