Mr. Cyril Roux:

Well I wouldn't know their banking system, first. I think banking systems are very different from one country to the next. So the banking system in Ireland, say, and the banking system in France or in the UK are vastly different so, you know, we have mostly retail banking, doing mostly mortgages and in some other jurisdiction you have mostly banks that are mostly investment banks or all market making banks, trading banks, and their risks are very different from those of the Irish sector.