Mr. Gerry Fitzpatrick:

Now we know that in terms of what happened in the asset values, the net present value is done. There are a number of factors you're looking at. You're saying, "Where is the asset value sourced?" You're right, Deputy, in terms of a net present value. You actually then also have to look at when the collateral might be realised because you're discounting it. Part of the analysis - and you'll see in my own summary document were we discussed it with the audit committee but not just the valuation issues but actually when collateral in a tightened market might be realised. We forced them to do some stress test to say, "Well, actually you're saying you'll realised the collateral in maybe 2009, 2010; we're saying what would the impact of-----