Mr. Liam O'Reilly:

I just remember one incident a long time ago, and I'm depending on memory, where the Governor came back from an ECB meeting, where he said that the Spanish seemed to be increasing or being allowed to have a different regime for capital ratios, could we look at it here. And, I remember looking at it and it seemed to me that the reasons for it were very unique to, to Spain, and we were in a northern European environment where we had France and the UK and other countries who were applying a full, I think it's the IFRS, is it? The accounting standards. And there was certainly a feeling, at the time, that we could not deviate from that, at that time. Now I think-----