Mr. Dargan Fitzgerald:

Well, if by stress testing you mean did we analyse different scenarios in which the reported results might fall, given different scenarios of loan losses, and I'm not sure that is your question, but certainly, in terms of what's commonly called stress testing, we evaluated different scenarios which the society produced in terms of the loan loss provisions, to ensure that the scenario and judgments ultimately made, in relation to the impairment provisions adopted and incorporated in the financial statements, were reasonable.