We had many discussions about how to reform our system in the face of the headwind against  Japan's economy after the Plaza Accord, but we did not follow our words with action. Put differently, it was a reform by word, not in deed.
This session has indeed been very informative for all of us present today and I hope that we may all draw lessons from your presentation on Credit risk and Market risk, particular on part of the presentation that was focused on the experience of Indian banks in managing those risks.