On that, there has been a lot of speculation about major banks converting at least part of their operations into income trusts.
What I'd like you to address is the impact or ramifications in the context of some of the evidence being put forth, such as the Standard & Poor's study, showing that there are some really questionable practices happening, and whether you look at it from that point of view because it has an impact both on the health of a prudential institution and on pensioners income as well.