 my bank affairs, excuse me. So you have that, and then you also have this pillar two solution. So it is possible for politicians to come to agreement, but you need a lot of public traction to get to that point where the politicians actually make a move. In which case, in the sort of last 90 seconds or so that we have, if this is a nice thing to chat about, but probably not realistic beyond that, is there a better way that this could be approached, Stephen, do you think?