And bank management bears the primary responsibility for ensuring that the bank maintains adequate capital to support the risks beyond the minimum requirements. Excessive participation by supervisors in a bank's capital adequacy assessment process or firms' over-reliance on supervisory review of their assessments are both counter to Basel II’s objectives and raise the risk of moral hazard.
Therefore, with respect to the Federal Reserve as a service provider, I think we have a role as provider and enhancer in traditional payment services, check and ACH, but probably will not be a provider of newer retail services.