So, if it is the balance sheet of the banks that are weak, the impact on the economy is prolonged. During that period of balance sheet fixing, we experience abnormally low periods of growth. Fortunately, we learned that from the Asian Financial Crisis. Fortunately, our regulations, which we got [and enhanced] from previous dialogues with you, acknowledged that that was very important.
[Deputy Governor] Chuchi [Fonacier] will testify to that. We had lots of debates about how quickly we will move towards Basel II. Maybe we are moving too fast? And we decided, no, there is no such thing as moving too fast. I think it's now paying dividends. Of course, we are running out of acronyms to discuss all this: LCR, Net Stable Funding Ratio...