Mr. Dermot Gleeson:

Indeed and you are absolutely correct, but the stress test itself I am saying, and the installation for the machinery for it was an expensive exercise, and I think, as I said earlier, that board members genuinely believed, this was after all the Holy Grail in every bank in the world. Basel II was the great answer to everything. It had been endorsed by the EU in its directive. And when we got this stress test done, and as I say, a very expensive process I think we thought this was the way to monitor and measure and manage risk.