 Well, I think there were several. The first one is that the system is much more resilient than it was a decade ago. There's been a tremendous amount of progress, but we need to remain vigilant. The second one is that I think that there are some clear places where there's work that's unfinished. The two that I think came out the most clearly are the need for a framework to address systemic risks coming from non-bank financial intermediaries. And the second one is this very esoteric central clearing parties. This was something that we believed and still believe was a very good idea to require that over-the-counter derivatives go through these things. That that has reduced risk, but at the same time it's created these huge institutions for which we don't have sufficient safeguards and resolution regimes.