Mr. Patrick Neary:

Well, you see, as we were talking about earlier on in this particular guideline, regrettably had fallen into abeyance and there were all kinds of ways of assuring compliance with it and determining the common predominant risk factor, etc. So I think that there was no evaluation, formal or structured evaluation I should say, carried out in relation to compliance with that limit. It had fallen into abeyance. So I think the matter that would have informed a financial stability assessment would be the growth in the loan portfolios of the banks, irrespective of the limit being in place.