Mr. Eugene Sheehy:

We definitely ... we definitely were quite cool on the mortgage market in terms of the amount ... the amount of people who could borrow ... that could borrow from us and the way we used our debt service calculator. So that remained cool, we were cool on intermediary-driven business. On the other ... on the other side, the commercial and residential property development, we were applying the stress tests and the Basel model, which we thought mitigated the risk.