Mr. Michael Torpey:

And this was ... this was a factor driving the market and I would acknowledge that the announcement effect of a product called a 100% mortgage will have had an announcement effect probably disproportionate to its value effect, and looking back on things that you, with the benefit of hindsight, would prefer you hadn't done ... I would prefer we had not released that mortgage because it was one of those factors which arguably did contribute to the ... the heated state of the market.