 Mrs. Nui, you're about to release the first ECB annual report on supervisory activities, which also covers the preparatory phase up to November 4, 2014, when you became operational. What were the main highlights in this preparatory phase? One important highlight was the recruitment of the teams to recruit about 800 supervisors and 200 people for support services was quite a task in a small period of time that we had to deliver on this issue. Also, obviously the comprehensive assessment was a huge task that also had to be performed under a tight deadline. Also, preparing the manual, operationalizing the regulation, the framework, regulation, creating the needed infrastructures such as for IT, for example, were quite a task. So what are your key priorities this year? Among the priorities for this year, one is very obvious, draw the lessons from the comprehensive assessment to make sure that all the quantitative and qualitative information that we got through this exercise is fully used for supervision. Another important priority is also to finalize our methodology to assess risk in the banks and to decide about the additional capital buffers they need, the pilot to capital they need to face the risk they are taking. And obviously we have a number of other issues to address, policy notes to prepare to make sure that banks are safer and sounder. How about if you look ahead, you must also have some issues where you think, oh, we want to tackle these. So going ahead, what are the biggest challenges this year? One big challenge is to have a consistent, better definition of capital. There are too many differences in the definition that are used by the SSM banks. So we have to address the national options on discretions. Most of them are related to capital, but not all of them. So it's a big project to make sure that we have fully harmonized regulation on definition of capital in Europe. Also, obviously, a big challenge is to address the level of non-performing exposures. This level is pretty high, as was demonstrated by the comprehensive assessment. It's not a surprise after years of economic difficulties in Europe, but this is something that has to be addressed soon. So thank you very much. I wish you a lot of success. Thank you again. Thank you.