Mr. Cyril Roux:

I think it's a very detailed knowledge. I think the work that had been done in the Central Bank ... since Governor Honohan joined and the amount of effort and time spent to look at these banks ... we see the work done internally and the work commissioned externally, we see again with the PCAR and PLAR exercises and then the balance sheet assessment, the loan loss forecasting exercise, the detailed analysis of credit risk and arrears management, I think there has been a lot of focus has been given on these institutions. I think we know them very well.