Mr. Cormac McCarthy:

On the latter point, Deputy, the accounting standards were the accounting standards. They were a given and they were accepted and then there was a huge amount of work went into it. We would have had a lot of engagement with the regulator over stress testing, so on a macro-prudential side of things, there was regular stress testing which was done and so that would have been quite an important series of engagement. When Basel II and ICAAP came in, we would have had a lot of engagement with the regulator in that regard and, in terms of products, as I said, we would have notified the regulator of the introduction of the 100% mortgage. But that was the general flow of things.