Mr. Cyril Roux:

Okay. So I'll just say two things. First, France is one of several countries in Europe where on-site supervision is very ... very developed. Right, there are 200 people there doing only on-site supervision and they've done on-site supervision for ... for decades. So we have very experienced on-site supervisors and they ... they're quite robust, quite sceptical. So, that's a signal strength of French supervision in banking and that has been brought to ... to the SSM and brought to Ireland. The other thing is that it's very ... you know this principle based, I don't understand it, you know, you had the CRD and that was detailed enough, and then you had a further detail in secondary legislation in France, so the code that you had to apply is, you know, hundreds of pages long. So, people would ... would apply the code monétaire et financier, and that's a very detailed code. So, that's the way, you know, that's the way we worked, you know, we'd say "Well this ... this prescription here or that prescription there is infringed" and ... and you ... you ... but-----