Mr. Richie Boucher:

Well it didn't cost us €69 billion, but the level was too big. I mean, you can't draw a comparison between a number and a number. What we have done is, we changed our business model, we've grown deposits in our core franchises, we've ... I've described what our new business model is without going into ratios or absolute numbers. €69 billion was too much and we've brought it down by €69 billion.