That is a very long time away. First, every one has to agree to it but they won't. They will continue extend and pretend until the whole house of cards comes crashing down = own Faz. Second, if they come clean and quickly, there will still be a major reaction at how much is still on the books (e.g. how much they have been lying) and the banks will get hammered to true valuations - which they are not know = own Faz.