Mr. David Begg:

Well, the system of stress tests were supposed to produce that. The stress tests have been qualified somewhat by the financial stability reports as you will have noticed, I'm quite sure. Maybe, they should have been better types of stress tests and that probably is the situation now. But personally, I wouldn't be competent to conduct a stress test of a bank, so I really don't know. I just say we had 90 economists in the bank and one relies on them to do these things properly.