I think that what we’ve failed to understand is that the risk management itself is the greatest risk. The risk management as a single, broadly adopted policy, which measures the risk in line with the best industry practices. Single policy stipulating how to measure risk is the risk itself, because all the suddent we all put all the eggs in the same basket by doing exactly what everybody else is doing, assuming same risks and measuring them same way. This applies to all sectors and all activities and stems from a broad misconception that great minds should always think alike.