Mr. David Went:

Can I just make one point though that the ... there’s a very large concentration always on capital, in capital, and you know Walter Bagehot, many, 200 years or so ago, said, you know, a good bank needs no capital and no amount of capital will save a bad bank. So, to some extent, you know, the argument ... the argument about the sufficiency of capital is ... is a very relevant argument, however you know, liquidity is a much more significant issue in my view.