Mr. Cyril Roux:

I think it's the other way round. Now we have what I don't think we had. I can't speak about the past. Now we have teams going and spending weeks on end, and covering things that there was no possible way of them covering before, which ... it's a different ... it's just a different world. So it's not ... we're not just stumbling upon this instance and that instance, you know. We are opening all the books. This is very intrusive, very time-consuming for us and for the banks. It's something that did not exist here.