Currencies, regulations, accounting differences. You can't create homogeneity. It was an international bank but not a global bank. Within retail banking, you have guys who are selling the product, guys who are making the product. When we looked at this amorphous body, we saw that differences existed because that's the way the world works.
Stress is necessary to make change.
We have a very, very knowledgeable group of people in this company. Probably 80 percent of Japan's Todai graduates are here. Everybody you meet is from a blue-chip background. We have investors that are the top names in the world. Help from all of these is available.