Mr. John Hurley:

Well, post-2008, I think you've had an enormous injection of resources into stress testing since 2008 and even when you look at the stress tests in 2010, you had a stress test at the beginning of 2010 which was very different from the one later on. Enormous amount of resources have gone into this. They're far, far more rigorous but that type of resource for stress testing wasn't spent anywhere before the crisis.