Banks either have written off some credit swaps that are difficult to value, or have taken large reserves against the swaps aggressively. These swaps have both longer term (5-year plus) and shorter term in tenors. As time rolls off, shorter term swaps will expire, and if there're no real credit defaults during which period, the write-offs and reserves will return to the books. This means if the market condition stops deteiroating, time will work for us.