Mr. Denis O'Connor:

No, there's a slight misunderstanding there. All the ... all the banks got the assumptions to run the scenarios but they were down at more junior level - at operative level. Because Nationwide was so all-centralised, the people who got the assumptions were the management as well and they queried them and said they were just unrealistic, over the top, total mad, whereas the people in the other banks just actually ran the models for us.