Mr. John Moran:

Absolutely. Mr. Carville and his team have been engaging with the Central Bank and the banks and we are starting to crunch the numbers. We believe that our banks are well positioned going into these stress tests compared to some of the other banking systems in Europe. We have already done an asset quality review. They are redoing the exercise albeit with a different pinch point in time. However, broadly speaking we do not expect to see surprises in that element. When we analyse the stress test parameters and where they are relative to the economy and property prices, which, of course, are a significant driver, and so on we maintain that they are where the banks already are in terms of some of the capitalisation we carried out in 2011.