If you think about the whole financial crisis, we’ve taken people and we’ve put them in situations which basically are guaranteed to blind or, at least, to distort their vision. And we expect people to overcome that.
We all have a tendency to think of people as good or bad. And, we say, as long as we kick the bad people, everything would be fine. But the reality is that we all have the capacity to be quite bad, under the right circumstances, and I think in banking we’ve created the right circumstances for everybody to misbehave. And, because of that, it’s not such a matter of kicking some people and getting new people in — it’s about changing the incentive structure. Because, unless we change that, we’re not going to get forward.