Thank you. I agree with everything you said--on that. But I think it's also true that we certainly weren't at that phase when they allowed Lehman Brothers, for example, to fail, and the system practically disintegrated or ran into huge trouble.
So do you think sufficient progress has been made such that if we had another crisis, let's say, five years from now, we would have advanced to the point where such institutions could be allowed to fail without doing huge damage?