To date, the best example of this potential is our annual supervisory stress tests and Comprehensive Capital Analysis and Review (CCAR) to which I have already referred.
Of course this strengthening needs to continue; there is a way to go yet for full implementation of the various reforms. But progress is being made. It is noteworthy that much of the increase in financing in recent years has flowed through capital markets. It has to be acknowledged that bond markets are less liquid than they used to be.