Mr. Tom O'Connell:

Yes, they were actually in conjunction with the financial stability report. In fact, the ... the people who chaired it really were the director general and, yes, I think the Financial Regulator was there too. So, up to a certain point ... to a certain year, we used to have the round table with the banks prior to doing the stability report to see what issues were there, you know. And the ... that would feed in then to the stability report in a broad sense. Beyond a certain year ... I can't remember the year, but the round tables were held after the stability reports were produced. I think the main point really was to get over the message that these risks were out there and the banks should be aware of them, you know.