Mr. Pat Farrell:

We do not have one red flag. We monitor a whole range of risks and in our annual report we spend about 50 to 60 pages calling out all of the principal risks. We monitor all of them regularly. We incorporate all of those risks into our planning. We plan for them and we make sure we have contingency built in so that our business model can cope with any of those likely range of risk scenarios that might emerge in the course of a period ahead.