Mr. David Begg:

Well, I mean, we put in our point of view. The board's decision was a synthesis of the different views that it heard from different directors and from the expert people it had working for it, plus the international feedback, plus the stress tests. And you can see that those concerns that I raised specifically about, you know, the construction sector and immigration and its effects on borrowing and so on are actually addressed in the financial stability report for 2007, but the conclusion at that time was that the banks were resilient enough and strong enough to withstand any shock that might emerge arising from that.