Mr. Brian Goggin:

But, Deputy, you know, we ran ... we ran stress tests, you know, and, you know, I'm not sitting here before you all hiding behind stress tests. You know, information and statistics are only as good as the inputs. But we had pretty sophisticated stress testing, modelling, and I did indicate earlier on that in the Basel II process as we, kind of, transitioned towards it, we ran stress tests. One of the stress tests we ran was for a sudden, and I emphasise the word "sudden"-----