The risk is to try and copy last year's model. Our focus has been preparing for the unknown.

Monetary policy could in the short run focus on absorbing some of the excess liquidity to reduce the risk of excessive credit growth.

In the end they were dead weight. We didn't have to use them because we went through the rough water better.

We had an eye-opener ... Now it's all about focus.

While there is a lot of focus on children the numbers tell me that the magnitude of the excess risk is quite profound in adults.

I think when we really focus and dig down and pay attention, I think we can do some great things to teams. Then we seem to slack off. It's just a focus matter.