Mr. Frank McDonald:

Everybody was culpable to a greater or lesser extent, whether one is talking about the councillors, the planners or others. The main thing that they were culpable of really was believing that we could have development everywhere, and that there would be something for everyone in the audience. I do not believe the one-off housing phenomenon had very much to do with the banking crisis, as such; it just meant that people were able to get money more easily to build larger houses, so one ended up-----