Mr. Cyril Roux:

You can always ... yes, there are ways of regulated firms to hide things. They can make accounts that are not trustworthy and they can ... that's very difficult for supervisors, when the returns have been doctored. It is more difficult because we work on the basis that they are not and we've ... we rely on audits, external auditors, to ensure that they are not and it's ... it takes a very experienced supervisor to detect that there has been ... you know, that the accounts and the returns have been doctored.