Thank you.
In your monetary report, the chart on page 17 talks about the slack capacity, and on page 14 you talk about three measures. You have your conventional measure; you have your integrated framework that takes into account the demographics, the macro-economic; then you have your business outlook survey. Are you using all three of those factors more? How has the conventional measure maybe not been so helpful in this lack of capacity, and how are these three measures helping you to kind of bind that a little bit?