The third point is capital. The third in the quarter, we combined the effort in provisioning with the solid capital ratios. BIS II core capital ratio was 10.1%, and we exceeded the ratio of 9% required by the EBA for June, while our forecast lead us to think that we will be above the various possible requirement for the end of the year. And this capital strength is not just at group level, it is also seen in the various units and, most clearly, in those units operating in countries where their banks needed state aid.As we see in this slide and the next one, none of the group's units have a capital shortfall. Starting in the U.K., whose banking system has needed significant injections of capital, Santander U.K. not only needed no aid, but participated in the systems restructuring, acquiring banks with problems, which enabled it to improve its market position, and with a core capital of more than 12%. Similar comments can be made for Portugal, where the rest of competitors needed to raise funds, either from their shareholders via the issuing of contingent convertible securities, Cocos, or directly from the state to cover their capital shortfalls and meet the troika requirements. In the case of Santander Totta, right from the onset, the ratios were much higher than those required. And to date, the core capital ratio of 11.4% is clearly above the 10% required by the end of the year. Lastly, Spain where the financial system has entered the financial assistance program and is in the process of recapitalization. Santander parent bank has a core capital of 10.2% for the top-down analysis conducted by 2 independent consultancies, Santander would not need capital. This is particularly important for 3 reasons: First, because the adverse scenario for the next 3 years used for the analysis is much tougher than that in similar exercises in other countries, and moreover, it's on top of the strong adjustments in Spain's macroeconomic variables that have been already taken place; second, because even in this scenario, which is given a 1% probability, the group would have a capital ratio of around 9%; and third, because it ratifies and reinforces the IMF conclusions on Santander in its recent analysis of Spanish banks; lastly, and within the classification established for the financial assistance, Santander would be in Group 0 of the memorandum of understanding, the one for banks with no capital shortfall.