Mr. Michael Walsh:

You know, I mean, what I'm saying to you is that by definition, I cannot remember at this stage, you know, when we got stress tests and when we actually didn't get stress tests. I am equally aware of the fact there wasn't sufficient stress testing done but I'm also telling you that even if every stress test was actually being done on Central Bank guidelines or otherwise, the society would have passed with flying colours. There was a very detailed stress test done externally in 2008. There were internal stress tests done and on Central Bank guidelines in 2006. And in both cases, the society passed without any difficulty.