Mr. Jonathan Sugarman:

We might have never seen a bank guarantee or a bailout because it would have meant that everybody would have been told that this is how a bank is run, these are the speed limits at which a bank goes, this is how it issues mortgages, this is how it does not issue mortgages and these are the levels of risk a bank takes. Liquidity is a market risk. Commercial property real estate is a credit risk. There are guidelines for that as well.