Mr. David Duffy:

Well, I think the Central Bank has an important part to play. I think that's been evident by their actions on setting mortgage limits, so there is a role for a regulator to play. You can't regulate a commercial market, but you can contribute to the common sense applied in that market. The mortgage limitations, the loan-to-value, etc., I think, are sensible, so there is a value to that input from a regulator.