Mr. Patrick Neary:

Well, in the case of the Financial Regulator, I think, kind of ... our approach, again at the micro level, is to rely on the key indicators. The key indicators were capital, the level of non-performing loans and the need for provisions and the liquidity situation. And there was nothing emerging under any of those key indicators, certainly in relation to asset quality or capital, that caused immediate concern. The liquidity situation was the one that was troubling everybody.