Ms Mary Burke:

Well, I'll tell you, given the financial crisis that hit in '07 it was a fairly steep learning curve for me as well. My recollection of the discussion is that it did note that there was areas for improvement. I think the IMF commented that there had been some improvement but there were more areas for improvement, and there were certainly caveats to the extent that we should acknowledge the limitations of the stress test. I think the regime for stress testing has moved on in leaps and bounds, if you look at, you know, the PCAR and the PLAR that were done subsequently, and the more recent SSM as a quality review, they were very different animals in terms of stress tests.