Could I just follow up on that issue? Unlike in the recession of the early ’90s, this time corporate bonds and equities took most of the hit in terms of losses as opposed to bank loans. So it isn’t just the corporate governance scandals or the lack of confidence in financial reporting that are involved but the fact that there were more losses in the market securities segment than in the previous period. I was interested in Dino’s analysis, too, when in reference to his chart on S&P 100 volatility he related that volatility in some respects to the corporate governance issue. Even so, I think we have to remember that there were financial market losses that were separate from the corporate governance issue.