Mr. Klaus Regling:

We raised the question, and it was one of several, because that was part of our mandate. We could not get to investigate that in the report so I do not have an answer but it seemed an obvious question to ask given what we see in the balance sheets of banks and how their loan portfolio developed and on the concentration and other things we have already discussed here. The question for me then is quite obvious - why have auditors, among many others, not been ringing the bells? It was a question that we put at the end because we did not get into that. We did not interview the auditors.