Dr. Robert Kelly:

If there is anything members would like me to cover on the regulatory question, I certainly will.

There has been a suite of changes. Some of them are resilience building in themselves. We think of things like the more recent AML and that. Some of them are about resilience building in terms of capital within the system, and practices around fitness and probity of people on boards. There has been a myriad of change in terms of having a much more robust and strong financial system and, truthfully, lessons learned from the financial crisis. Probably the ones that people will know most will be the likes of the mortgage measures, for example. Even though they potentially have a cost associated with them, and we have always been very open with this, it is a trade-off between the benefits they derive and the cost associated with them.

In response to the first question, this is something we even had to transition away from. We used to produce statistics. One of the things I am responsible for in the bank is producing financial data. We had to move to a frontier statistics piece where we look at total credit to exactly get at this point and to reflect that.