Mr. Ed Sibley:

As the Governor said, it is the banks' model. They have provided us with details as to how they would have calculated in that period. We have run our own separate independent assessment to check reasonableness. It is not saying we are coming up with a precise number that this should have been the prevailing rate at that time, but it is to check that the banks' model has come up with a reasonable number. Does Ms Rowland want to come in?