Andrew P. Coombs - Citigroup Inc, Research Division

And just to move on to the second question, I noticed you're a bit more firm in your dialogue regarding APS. You talk about more of an announcement, I think a [ph] formal regulatory clearance. But certainly you're talking -- or it seems very certain we're going to hear that in the second half. On that front, I mean, perhaps you could also update us on the B share and any renegotiations there are on that front. Or are they continue to be viewed as completely separate to the APS exit?

Bruce W. Van Saun

Well, I think our focus has been on APS exit. That's for the moment. I think the DAS repurchase and B share simplification is something that's more for down the road. As in over the next 18 months, we're very focused on sustaining our capital ratios through the whole period of RWA inflation with CRD IV and some of the local regulator initiatives. And so dividend is farther out in the future. And since the DAS relates to the dividend, I think that can wait for another day.

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