do you think societe generali will have to do that, or have you already made provision for that?: actually, we are doing that. we also have very stringent accounting rules because the i fs, which actually is pushing atks to upfront provisions the start, so this year we will have a lot more provisions than last year. so it looks like -- i would not say everything is under control, but i would say the instruments to address a crisis like this one have been put in place, and we are doing our part. when you look at consolidation amongst the banking sector in europe, societe generale was recently portrayed as a possible -- what is your reaction to that? well, i don't see that in the picture in banks right issuesnks addressing related to restructuring of the banking system. facing lower interest rates for a long period of time, so we just launched a major initiative to consolidate and merge our brand. we are restructuring our investment banking parts. other banks are doing similar things. consolidation has been put forward for two or three years, and when this will happen, i think soci