That's greatly appreciated.
Thank you very much.
Mr. Hodgson, there is a big bail-in provision in this bill for bank recapitalization. Did the Conference Board study the bail-in provisions? Knowing that this comes from an international attempt to protect the taxpayer, to protect the banks, to ensure more stability, there are still some worries that eventually, through regulation, deposits could actually be redefined as long-term debt, so that they could be used to come back and save the banks. Could you talk about your perception of this provision and about its advantages and risks for the small-time depositor?