Mr. Patrick Neary:

Well, I think this goes back to what we were talking about this morning. In the great scheme of things, it would have been good if the outputs from the financial stability committee and the financial stability report had identified, you know, issues that should be followed up and probabilities of things going to happen etc. I mean, for example, like the IMF were, you know, inclined to give a view, I think, in their assessments where, whereas the financial stability report carefully set out what they saw as the risks but never really kind of said, "Well, look, this risk is very likely to happen if we don't do something about it."

So in that sense, I suppose the stress tests and the way they fed into the financial stability reports probably failed to deliver their full potential.