Rose Conway-Walsh (Mayo, Sinn Fein) | Oireachtas source

That is what I am trying to get at. What are the drivers of making that assessment in terms of the risks? Obviously Bank of Ireland is making a determination that the risks are higher this year than they were last year in terms of the bad debt provision it needs to make. We have all of those drivers. What are the particular drivers? I think it is very important we have a view of them.