Mr. John Hurley:

The assessment was primarily based on reports, I think, from the banks themselves but they had the opportunity to question banks in relation to the exposures. In terms of the Central Bank assessment, subsequent to those reports I wrote to the Minister, with the chairman of the regulatory authority, indicating that there could be other scenarios which might worsen the capital assessments made by PwC and that needed to be borne in mind. I don't ... there is a letter to that effect.