I haven't been through the all of it yet, have you? But, I have a problem, how come after the LTRO program we find  a significant institution in need of a bailout making very clear that first, national regulators absolutely need the freedom to impose tougher rules on banks without EU approval given these special circumstances in order to fulfill their task of insuring the consumer the maximum level of protection, second, the set of banking rules following Basel 3 cannot take into account any "specifities" weakening any achievement of the global agreement.