Michael D'Arcy (Fine Gael) | Oireachtas source

Can I ask you ... a term that you used earlier with me was "horrendous and unsustainable". Why was there not a much, much higher - potentially a doomsday scenario - stress test if you knew that the growth of the balance sheet was horrendous, unsustainable ... why would you just have a standard stress test and then a higher stress test?