Mr. Vasileios Madouros:

Maybe we should take away the account question as well. I would like to go back to the prudential overall framework, and not just the way things like regulatory capital are calculated, and to some of the Chair's questions. If we look at where we are now compared to where we were back then, it is a very different approach. There are many differences, including levels of capital, quality of capital, underwriting standards and the measures we have. One of the key additions is that when we look at banks and risks around financial losses we do not just look at what their capital ratio is now. We also look ahead. We do projections in different scenarios, including in stress scenarios, to understand what might happen, not just in the context of what we expect to happen to the economy but also in bad days of the world. This gives us a much better forward-looking view of these risks. I will come back to the Chair's other questions.