Mr. Patrick Neary:

I think there in your introduction, Deputy, if I understood you right, they saw that there was a significant increase in lending for house purchase and very, very low defaults, and I think as well as that at that time, with the increases in house prices, there would have been considerable seasoning in the value of the security and I can only presume again that the IMF wanted to test the resilience of the security and the resilience of the portfolio for downturn.