english: (Laughter) These two curves are averages: Standard &amp; Poor, the blue one; and the red one is Standard &amp; Poor's from which the five biggest discontinuities are taken out.
non_english: (Smiech) Tieto dve krivky sú priemery. Standard &amp; Poor, modrá. A červená je Standard &amp; Poor, bez piatich najväčších nepravidelností.