Mr. David Duffy:

Yes, at the time I made a ... I think it was in - not that I am picking on it, but theCork Examinermade some comment that I supported the rules, because, in effect, our portfolio for the entire bank was better than each of the ambitious targets that they had in its total. And, secondly, I believe you go back to cash flow borrowing. Borrowing for a house, you have to be able to afford it, and I remember exactly what it was when I was looking to do the same in Ireland when I was young. It was more or less what was announced recently. So, again, it is consistent with my own philosophy on the utility nature of banking.