Mr. Patrick Neary:

The ... the ... the financial stability committee and the financial stability department identified risks that would be factored in to make an assessment of the economic environment.

At no stage were they ... were they ever given to predict the likelihood of these risks materialising or whatever. It formed, I think ... it fed into them forming a view as to what the most likely outcome for the ... for the economy was and, I think, we ... we were aware that the general consensus was a soft landing.