Mr. Michael Torpey:

We sought ... we sought to offer finance to people who wished to purchase properties. We sought to offer that in as competitive a way as we could so as to maximise the affordability. And, we responded to the market forces in ... in that respect. I think you have instanced the 100% mortgages, for instance, and in certain respects that would have been a help to people because our research at the time showed us that a significant number of people were actually borrowing the balance over the 90% or 92% through a credit card or other borrowings. So our ... our efforts will have assisted affordability in that very tiny segment of the market to which we provided that ... that product. So, I think ... I think, Deputy, it is fair to say that we were in a very competitive marketplace. We competed in that marketplace. We sought to offer the best value product to people who needed to borrow money to buy a house ... houses at the prices they were there at the time.