Mr. Tom Considine:

Well, the reason for that, I imagine, is that ... well, first of all, I was on the board of the Central Bank and therefore I was present when the discussion took place in relation to each stability report and I agreed with the conclusions that were published in them. That's the first thing. The second thing is that the Governor then came in ... these of course were published. But the Governor then came in to see the Minister and brief him on what was in it so that was the model that we used.