probably the person better to answer that my colleague dominique crawley, who was in front of you last month. the bigger methodology is an assessment designed to evaluate and compare on a global basis banking systems. not individual banks within the jurisdiction, but the banking system overall. when we assess, and that's also true for the uk as for all the other 84, 85 systems that we analyze in this way. the two main areas which the economic risk and the industry risk. the three score, which is the big score, not a rating. it is a score. ranges strength. it's held back largely by the economic risks which have to do with the imbalances in the uk economy, in which you could fesh measure for example, in the leverage of private households in particular, and, therefore, with a credit risk in the books of banks. the -- so this, for example, is a theme that you see in other sovereigns as well. if you look at the root causes for the current financial crisis, it's our view that a lot of it is found, it's not a fiscal crisis per se but a crisis of credit growth, too fast credit growth and credi