Mr. John Beggs:

Yes, my recollection of the reasons for the difficulties of him doing stress testing for us ... one of the things was that he wasn't prepared to undertake private, private unpublished work because the ESRI published all of their research. There was also the issue, which he referred to himself, about the fact that they didn't have a very detailed financial sector in the report. And this meeting took place in late 2005. I'm not sure when the Ulster Bank stress test was done, it was some time later. So clearly there is a-----