We need both incentives and punishment. If you have incentives without punishment, someone has a free option. So there is an incentive bu not all of them. I think it started very early. In 19 82, when banks had the same, very similar they started with an inteternational lenting. And e nobody was penalized. You readhis punishment and capitals not bal out e incentives an life. But to go back to the the story of the risk methods used, i think er that maybe bankers were foolish enough to not believe in em oki, sorry, to believe in hem. It doesn't work. See, mother nature likes to break things early. And capitalisms about