bozul 2 is more complicated matter. i think the length of time it took to figure out the formulas and all the detail that needs to go along with it. problems monitoring, problems of consistency may well outweigh the benefits that come through or could come through more gran lairty or more risk sensitivity in the modelling. as a look at things tim, stress testing as we developed it here and as other countries and jurisdictions notably ecb are trying to now, i think holds greater promise as a capital tool, risk sensitive capital tool for big institutions but also taking a macro prodenial look because of scenarios applied to everybody. set of standardized risk weights and then a risk sensitive stress testing model are complimentary forms of capital measurement that together provide pretty good basis for setting capital standards for micro prodential reasons. the future of internal modelling is something that's going to need to be debated internationally. you know -- i think if you look at the preliminary work, the bozul co