Mr. Tom Considine:

I think, you know, as I said, the model of regulation that was there assigned very clear roles to the regulator and the Central Bank and also where they had to input in relation to the stability of the system. So I ... you know, I don't know what, you know, what that is based on. And the annual financial stability reports, you know, to the best of my recollection, did contain analysis and they were certainly based on analysis by the relevant sections.