You know, I think it's fascinating. There was a financials conference here in London last week with 90 of the CEOs and CFOs. And actually the line from them was the European banks are probably in their best health for 30 years.They've got a reasonable yield curve. The credit conditions are benign. There's been a bit of a pickup in loan growth.And actually they're starting to get investing in technology. And so oddly enough they were arguing this is actually a good environment last 30 years. And the benefit ...