Mr. David Duffy:

I am reasonably confident. It is clear from the stress test that took place that we were able to confirm that we absorbed the entire amount, or almost all of the amount - these things are never exact because of the nature of the models - from the findings of the Central Bank, yet our capital was a very robust 14.3% against the thresholds of 8%. In regard to the upcoming tests, the first part is similar in nature to what happened already. We do not believe there will be new discovery, as we have spent years looking at every single asset, so we are not inclined to believe there will be a material outcome. The part on which we do not have an absolute view is the forward-looking stress test, the criteria for which have not yet been published by the ECB. Based on the modelling we do as a bank, in which we use very negative potential scenarios, we believe that the buffers we have, which are in excess of €4 billion, mean we will be able to pass those tests without requiring more capital from the State.