Mr. John Moran:

I have said that we have seen a recapitalisation of the banks which was based on a stress test. If one looks at where property prices are and where unemployment is, we are within the parameters of those. On how exactly one sets up the stress tests, we would like to see the banks - I mentioned it earlier, I am not sure if the Deputy was here - move on their cost structures. That will also help the profitability of the banks and their ability to, in fact, raise capital on their own by self-generation. So there are a lot of moving parts in respect of this and it would be certainly not wise of me to try to imagine what the situation would be in nine months' time.