. >>> henrik, as the head of a major bank, given the economic challenges that europe is facing right now, what worries you the most? is it slowing growth, the threat of deflation or the slowing growth in the housing market? >> if the very slow recovery we are seeing, if that does not take place, we hope very much the things will continue to develop slowly, but in the right direction. increasing house prices, employment going up and so on. so we hope very much that we can see a gradual recovery also into '15. >> henrik, the final question from me, i wanted to ask about the aqrs, which we had last sawn. is there any benefit now that the tests are behind you? will it change your behavior moving forward? >> no 37 the aqr developed almost as expected. they passed the stress test with a huge margin through the threshold put up by the authorities. and i think the markets and investors expected us to do that. so we are pleased that we passed with high markets. but otherwise we are now just putting the qr behind us. >> thank you very much for joining us. we appreciate it. >>> visa has deliver