the world. >> in such a secretive way. >> maybe not in such a secretive way, and i think now the, since the ubs scandal in the last year or so, there's been a change, i think, in attitudes or there is going to be a change in attitudes, new regulations. i don't know if you saw the swiss bank regulations are asking banks to have more private funds or higher funds. there's also, i think, a necessity for more transparency and some of the leaders actually making audits on some of the banks, and changing some of the leaders because the leading example comes from the top. >> okay, the standards come from the top. if nothing comes out of the disks, it's a message to the business community that actually you need to be transparent, because you're always at risk if you're not. >> absolutely. there's a lot of discussion about speculation in banking and big banks have the traditional banking and you have the speculative side and one issue is should we split some of these