for more, let's head to paul dobson. talk about the significance of this first. of and under the radar issue, but swedish banks are starting to account for the slight risk the governor made by putting cash aside as a buffer. the reason it is controversial is if government bonds are no longer risk free, you essentially have to find a risk weight into it. so they are able to hold them without any capital held against the bonds. obviously, the european debt crisis, particularly what happened in greece, shows it is possible for a government to default, but in the euro area, regulators have been trying and failing to bring this onto the agenda for a good long while. significant, is even outside the euro area. surprising, given that bonds are no longer a risk-free return but more like a return-free risk. paul: exactly. it has to do with the accounting, but it is important for a lot of governments, particularly italy and spain, that the domestic bank holds a chunk,l -- reasonal which means that the bank can hold liquid assets without having to worry about it too much. i