Mr. Tom O'Connell:

-----that was way past ... we were dead set on a bubble bursting at that point. Earlier ... no, I don't believe myself that the stress tests are the be all and end all of anything. Even if you had a big one, if you had a massive stress test, God knows what would have come back from the banks. In fact, I think if you read the two articles in the ... I think it's one of the bulletins in 2006 about the stress tests, I think, that the various scenarios put to the banks, in only one case, I think, did the banks come back with a small hit to their profits or capital, and that was sort of an extreme scenario, so-----