Mr. Peter Fitzgerald:

I just don't think it was envisaged. I mean, when I was looking at this in terms of my preparations for today, one of the things that struck me was that while the bank had, I suppose, adequately put forward a variety of different stresses that may occur to affect its liquidity and funding, practically all of them occurred throughout certainly the latter half of 2008, either to some degree and then, finally, all degree, yes? So, if you look here at the ... and this was done, I suppose, at a time when the outlook was more benign but we are regarding the probability of a neutral stress as being most likely then, and then very low probabilities attaching to even an Irish-specific market event.