Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

Can I just quickly - the stress-testing regime that was in operation, do you believe or not that the stress testing, proper stress testing, fell between two stools in terms of the regulator was in charge of in terms of mortgage, we'll say, stress testing, and, we'll say, the Central Bank took over stress testing from 2006 on. So did that process make for good stress testing? Did it compromise stress testing?