Mr. Pat McArdle:

Well if you'll just let me explain it, then you can decide whether you ask somebody or not. In this 2007 stress test, which is the one where we involved the ESRI, we produced the ESRI with hundreds of streams of information, right. And they ran their model and they gave us back equal amount. So it was very different from what Mr. Beggs was talking about. And then I passed that to the stress testing people, who were the risk people, and they would've stress tested for ... and I'm fairly sure they did it for everything, you know what I mean, it wasn't that we didn't stress test for real estate ... they stress tested for housing, they would've done it for commercial ... because I remember them coming to me looking for bank liquidations ... company liquidations to get some idea of how a bad time could affect companies. So, I was not involved so I have no specific knowledge of what they did, but I ... from the information I have, they were fairly extensive. Everything under Basel II and the ICAAP was ridiculously extensive and expensive in terms of time, money, resources, and in the end, didn't make much difference.