*  *  Introduction  Good evening to you all, ladies and gentlemen, and a warm welcome to the Regional Office in Hesse. For many of you, this day of the conference has been quite intensive.
You have listened to lectures in the rooms of the Goethe University, covering a wide range of topics including European supervisory systems, market and banking structures as well as systemic risks and macroprudential supervision; you may have had intense discussions following these lectures. And now you are back in the world of the famous author Johann Wolfgang Goethe.