Mr. Tom O'Connell:

I would say the ... the projects, if you like, were primarily done by economists in the financial stability department, probably relating to issues that arose. I'm trying to recollect.

For example, yes, there was a question of whether ... there was a view around the place, if you like, that the Irish banks had got massively into property, as you're probably aware, in Britain, Ireland and the US, and there was a view that maybe these property ... or prices in ... property prices in those areas wouldn't be correlated, so it would be helpful if they weren't correlated because the diversification benefits for the banks would be there. So, there was a study done on that, for example, which actually indicated that the property prices tended to be correlated, you know, so that wasn't a very positive result. So, that was an example. There were also a few articles written on stress tests, that sort of thing, you know, the methodologies to be used, etc. So-----