Mr. John McDonnell:

We didn't produce our own stress tests around those concentrations. The bank would have produced detailed stress tests as part of their processes. And the bank, I think, the bank would have got Oliver Wyman to help them, to assist them in terms of their impairment analysis. We would have reviewed those stress tests and we would have considered the outcome of those stress tests. But the one thing I will say is under IAS 39, you need to look at each individual loan separately or groups of similar loans separately. You can't, when you are looking at impairment, mix a land loan with a business loan. They have got a different risk profile. You consider impairment on those separately. That's the way IAS 39 works. So, the bank would have done stress tests, we would have looked at the stress tests as part of the overall bank's governance but we would not have done our own stress tests.