Mr. John Hurley:

No ... we ... as we developed our financial stability reports we did not believe that the financial stability of the sector was at risk, and it didn't become at risk until the crisis developed into something else and the international factors developed into something else. Our assessment of financial stability through those years is set out in the reports and we didn't assess the sector as being at risk at that time, but, of course, that changed and developed as the world changed and developed.