Mr. Fergus Murphy:

No, I think we would have had a fairly good line of sight on it. But, for example, PCAR ... one of the interesting things about capital in an organisation, in a bank, is, if you say the capital ratio should be 4% and then you can turn around the next day and say it should be 8%, so one of the ... one of the things that PCAR did correctly and rightly was it increased the capital requirements by two, of an institution. So, it's actually very hard to predict that, 'cause you could ... you could say, it could be some other number too. And, subsequently, Deputy, the ... the levels went from 8% to 10.5% etc., so it's very hard, at any point in time, to predict what an exercise might eventuate.