Mr. Jim Brown:

First, we are active in the mortgage market. Last year we lent €270 million, which was up significantly on the previous year and expect the amount of new lending to be higher than that again. We are actively in the market for lending.

In terms of prudential debt ratios, again, it depends on level of income, but my expectation is that it would be three to four times one's income. Mr. Bell might want to add some colour to this.