Mr. Brian Patterson:

My understanding, and I could stand corrected on this, my understanding is that the Central Bank laid out the methodology for doing the stress tests - and I think there was some reference in one of your previous witnesses about the IMF having an involvement in that ... in 2006, I think it was - so they would have laid out the framework and the methodology for doing it; it was then left to the banks to actually do all the number crunching, which they understood. I'm ... I can't answer your question as to whether people from the Central Bank were looking over their shoulders while they did that. I don't know.