Mr. Cyril Roux:

I would say it's a ... I would say it's a reinforcement. Take the PRISM system, right, a risk-based system, the ethos behind it, you know, that it's challenging and it's risk-based and there's guidance, and there's an enforcement cycle.

All of these principles are good and they've been maintained. But the system, the PRISM system, no longer applies to Irish banks because now it applies through the ECB system, IMAS. Now, where is IMAS coming from? Well the ECB looked at the various systems across the eurozone and ... to decide not to build something from scratch but take one and build from it. Which one did they choose? They chose PRISM. So they took the Irish system and built on it.