Mr. Cyril Roux:

I think it's, in the main, it is okay. It is a bit ambiguous because a number of banks are under public ownership. There are special ... there is the emergency liability scheme covering them. So there's ... the State is also the shareholder of the banks. So, it acts as, you know, in several capacities, so I think it's a bit ambiguous in that but there's no avoiding it. Now, I think the bank ... the Central Bank should be fully independent as, you know, the IMF said and I do think that also to foster that independence, the regulation should be fully paid by the industry and not half paid by the taxpayer.