 Ydych yn ni'n ddagonodd cyfath alc fan cyfan sjex stirreddown g SS frostfyniad centres, Ffianüddy, y gwasan edrych, phoesb michau, Dysgrif Fanlu, mae bod gydwg gyda siwr sedan yn wahan newydd yn y llwfish hynnyydd yma sydd o'r plu mae inc Infrast Sngolach,Is Unedig, jaer, pan d distort sons yw gallu cynn Crossing o insurance cyffrand hwnhand unig a'i gyrwch yn dd confusingai'r pladas blan yw'r un amser yw'r pladas. Rings ond rhywbeth yn gweithio'r holl. Rydyn ni'n gweithio bod hynny'n gweithio'r holl i amser, a rydych yn gwneud hynny'n ddiddordeb yn gyflos, ac yna'r hynny'n gweithio'r holl i'r hynny'n gweithio. Ond rydyn ni'n gweithio'r hollwch chi'n cefnod ar hynny'n gwneud ar gyfer y rhai oedd y panlwys. Yn AQR, mae'r cyffredinol, mae'n ei ddod o gyfanc oherwydd, While it sounds and looks like a harmonized review across Europe, a lot of the reporting will actually happen in the local accounting standard. So in Spain, for example, it might be under Spanish gap and not under IFRS. So, you know, I'd be interested to hear from our panellists just how this, whether this has a real impact or not. We have a lot of possible scenarios following the asset quality review. Is it going to result in just more cap, an affirmation of the level of capital in the system, or a need for more capital? Or are we going to see it bring about some restructuring? We heard Andrea Enria from the European Banking Authority comment recently that only 40 banks were wound down in Europe through the crisis compared with over 500 in the US. So, is that this telling us that we should expect a greater degree or greater pace of banks being wound down in Europe? So, I look forward to the discussion we have. I'm going to invite Anthony, first of all, to take the floor and to make his comments. Okay, thank you.