I understand what you're saying, and that this is the reality. I agree with you that we still have something to learn from the current situation we're in.
On the other side, we've seen animal spirits, say, during the tech bubble, for example. Would you say that the models used by the bank and by the private sector as well have been modified, changed and adapted to that reality over that time, and does that lead us to be hopeful with this situation?