Mr. Con Horan:

Well, just to get the sequencing right: in 2005, the measures I proposed had not been accepted for increasing the capital on high loan-to-value mortgages. In 2006, February 2006, they were accepted. And towards the end of 2006, when the capital requirements directive was coming in we implemented another set of additional requirements on commercial real estate and ended speculative commercial real estate lending, which in effect gave us the most stringent capital regime in Europe for that type of activity. So, that was all being conducted around the time of the stress tests, but the stress tests were generally coming out in 2006 as broadly positive in terms of the capacity of the banks to deal with a downturn.