The first part is also a very important question. Clearly, the first step was getting the new capital, the new liquidity, rules agreed to, including a limit on leverage. That's been done. Now emphasis is increasingly focused on implementation. Obviously, rules are only as good as their sound implementation. As you stressed, what's important is both the full implementation and the consistent implementation across jurisdictions. Let's face it, while we certainly think the rules before the crisis were inadequate, one of the problems was that even the rules that were in place were not being followed in all jurisdictions. We have to get to a world where there is consistent implementation across jurisdictions.
What are we doing about it? Through the Financial Stability Board, which is the coordinating mechanism, both the standards setters.... So in the case of capital and liquidity and leverage, it's the Basel committee. The Basel committee, together with the FSB, has recently put out a couple of documents outlining how this will be done. The Basel committee has put out a document that outlines how they will verify that countries are living up to their commitments, looking first at whether the rules in each country--in some countries it's legislation, in others it's through regulation--are fully consistent with the new Basel III standard. The second part is whether those rules are being implemented in a consistent fashion across jurisdictions. The key issue there is to make sure the risk weighting is being done on a consistent basis across jurisdictions.
The FSB--