I will ask you another question right away, because our time is limited. In your third point, on the same issue where you talk about measures, something surprised me a great deal. You say:
Third, much more is known today than before about factors that were important for investor safety. For example, after the events of last August, it became apparent that the strength of the sponsor [...] was extremely important.
I am surprised that you only recognize now that the strength of the sponsor is extremely important, whereas I thought it always was important. I don't understand. Does this mean that before, the strength of the sponsor was not important?