Mr. Ed Sibley:

I can certainly see the attraction to that old-style banking, as Senator O'Donnell has described it, and certain models deliver that.

There is the public banking, Sparkassen-type models and also examples such as Handelsbanken, which is a Swedish bank that is privately owned but very much focused on relationship management. Typically, it would have an extensive branch network and has been reasonably successful with that model. I have a degree of familiarity with the Sparkassen model. When I was in the UK, I used to supervise Landesbank there. I appreciate those-----