No situation stays the same, whatever. The financial world doesn’t stay the same, technology moves on all the time. So whatever you’ve got in place in terms of procedure is going to run up against it because the technology is going to change, the situation is going to change, and you have got to have people around who can say look we are going to have to adapt this now. Even in the most risk averse professions, you need people who see opportunity and will see how to apply the techniques or procedures you are using at the moment to a new situation.