Mr. Con Horan:

What happened in, I suspect around 2005 ... prior to 2005, the 2004 stress test was ... again, they would always have been led by the Central Bank because they were largely economically-driven exercises. We would have been actively involved with them at that time. With the introduction of Basel, we hadn't got the resources to spend a lot of time on the stress-testing exercises, so we provided direct access to the economic people to our data so that they could extract information and then we were available to help. Our role was less at that time in the stress-testing exercise but we were still making ourselves available to assist.