Mr. William Beausang:

Well that ... what that .. what that statement is meant to refer to is the ... the structure, the CBFSAI structure, the hybrid structure, rather than any concern around the ... the position of individual institutions and the banking system as a whole, so that's ... the concerns that I'm talking about is ... the argument being made, that there was something, that there was a kind of a structural flaw in the CBFSAI model that had a significant role in the crisis.