Mr. Tom O'Connell:

It would have been the ... the scenarios ... well, the top-down scenarios would have been set by ... the economic modelling area, if you like. They were trying to come up with a consistent picture - for example, if growth fell ... if GDP fell 4%, would unemployment go up by 8% or whatever. And, you know, that scenario ... sorry, a consistent scenario would be set out and that applied then to the banks balance sheets.