Mr. David Gantly:

I think a bank can survive a liquidity crisis, but not a solvency crisis. So I think ... so if the solvency remains intact, I think you could come through the crisis. I mean, it's ... securitisation today is back on the market. I mean, what happened is that, you know, things were so bad that, you know, the baby gets thrown out with the bath water really, essentially. So, as I said, I think the bigger issue is clearly your solvency.