Mr. Pat McArdle:

They would've stress tested for everything. I ... real estate did not figure in the work I did in the sense that, as Mr. Beggs has said earlier, it was sort of hidden, and there wasn't as much information on it as there was on housing where you had completions and starts and the devil knows what. So when I ... we got ... what we did, let me perhaps explain it ... if I may take a minute-----