Mr. John Hurley:

The ... my understanding is there was a large institution that wasn't involved in that stress test. I didn't know that there was a distinction as you mentioned, I thought it was a large financial institution. Now ... but in relation to the Red Book and the ... the Red Book was an adjustment that came about in 2007 as a result of the experiences that came through the stress-testing exercise. The original manual was a black book, a fairly basic book, but nevertheless important because anyone involved in these exercises had to have a starting point and it was a starting point. The Red Book was more sophisticated and it basically, as far as I was concerned, started to delve into some of the deeper questions like systematic risk assessments, emergency liquidity assistance, the details of all of that.