Mr. Robert Gallagher:

Well, Deputy, I think fast rising home prices is not a good thing for society. And the effect of that is that home ownership becomes more expensive. And the effect of that is that ... that leverage can be created in society. So in an environment which has a sustainable level of home price increase, which facilitates sufficient homes being built as opposed to no homes being built, is probably where we need to get to and it is probably where we should have been. So the effect of high price ... asset price is problematic for all of society. Young people, included, yes.