Mr. John Hurley:

At the time we considered that it was. We believed that the assessments in the report and the guidance in the report was sufficient, but clearly there was significant growth in all of the aggregates, but that said the overall assessment at the time going through the reports was that the stability of the system was fine. Where this all changed of course was as the international crisis evolved but leading up to that particular period the assessments were the assessments and we believed very strongly that they were correct.