Ms Ann Nolan:

I am sorry but there is evidence of the pressures I am talking about because we sent all of the stuff from the rating agencies and the troika. I attended many of the troika meetings so I can give first-hand testimony as to pressures on that.

As far as other pressures on individual debtors, I cannot speak to them because I was not aware of those. I would not have expected the pressures of which I spoke to be in this briefing note.