Mr. Frank Daly:

Go raibh maith agat, a Chathaoirligh. I don't think the sustainable model that we're suggesting here would necessarily outlaw bad practice. There'll always be people who will be on the edge, on the margins and all of that. All we're saying is that that sustainable model across the four - or the three - areas of funding, development and planning in the market would actually make it much more difficult for the type of crash and the type of speculation and the type of funding that caused, or contributed to, all of that to happen now. As to whether any of those, or how many of those ... I don't know how many bullet points are there. There's about ten or 12. As to how many of them progress has been made on, I think progress has been made on some of them, but I think progress needs to be made on more of them. And that's right across the funding, the planning, the whole tax incentive area, the banking supervision and crucially - and I don't think we can keep emphasising this enough - the availability of hard analysis about-----