Moreover, even for smaller banking organizations, considerable information is publicly disseminated - for example, through our Call Reports - and is available for counterparties.
When the U.S. authorities considered the cost-benefit ratio of requiring thousands of our banks to become subject to Basel II - presumably the standardized version - we saw the benefits as (1) only slightly more risk sensitivity in the calculation of the minimum regulatory capital requirements under the Standardized version that presumably these banks would select, and (2) more disclosure under Pillar III.