Mr. David Begg:

Yes, well, the problem was that the affairs of the banks itself, or the banks themselves, were the responsibility of the regulator. The Central Bank itself didn't have any access there and a combination of that and stress tests that were done by the Central Bank was the basis of the assessments that the banks were okay. That was the view of the IMF as well and the banks were operating within capital adequacy ratios that were set by international standards, like the Basel committee, and, okay, it just turned out that they weren't adequate as it turned out. It's absolutely clear.