Mr. Brian Patterson:

Yes, I know. It ... it's hard to understand it in the ... in the light of what we know now. I ... one possible explanation, and I was reflecting on this in ... in recent days, is that, because the financial stability report could not, by its nature - and I mentioned this earlier on - give ... give rise to ... to concerns, or panic, it had to be quite positive and quite optimistic ... because of that I ... I begin to wonder whether that didn't infect people's thinking. So, you know ... you edit out all the ... the difficult bits out of the financial stability report in case it would spook the horses and then it's only a short step to saying well, that must be true.