Mr. David Doyle:

Well, I could try and help you on it. I believe that, in the manuscript notes which this comes out of, the next statement that was made by Merrill Lynch was that these were top-of-the finger assessments. Now, at that point you are ... in terms of a stress test, this wasn't a detailed analytical stress test that we're talking about here. It was, "Here's a loan book, €70 billion. If the potential losses are 5%, 10%, 20%, 30%, what does that show?" It's not based on any rigorous examination of the loan book. A real test ... stress test that you would get in a due diligence situation would be to get in and do a bottom-up examination of the loan book - look at the collateral, look at the cross-guarantees, the wealth of the individuals - and come up with an analysis. But, as I said, this is ... this is a-----