Mr. Con Horan:

So, there was a stress test conducted in 2006, which was in conjunction with the IMF, who were carrying out their FSAP visit. It was a normal round of stress testing, albeit with the IMF involved. And the outcome of that process was that the belief was that in an adverse scenario, the banking system was going to still hold up strong. I would say around the same time, obviously, Deputy, the ... I was also proposing the measures towards September '06 to increase the capital requirements on the commercial real estate lending activity. So that was also another solvency measure that was being put in place to try to address the problems at the time.